Auto Loans · Tallahassee, Florida
4 credit unions in Tallahassee report car loan rates to the NCUA. Rates range from 4.68% to 6.63%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.68%
Lowest New Car Rate
5.58%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | T M H | 4.68% | 6.63% |
| 2 | CHAMPIONS FIRST ★ 4.5 · 154 reviews | 5.03% | 6.50% |
| 3 | FIRST COMMERCE ★ 3.1 · 86 reviews | 5.99% | 7.74% |
| 4 | FLORIDA A & M UNIVERSITY ★ 2.4 · 44 reviews | 6.63% | 7.30% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CHAMPIONS FIRST ★ 4.5 · 154 reviews | 6.50% | 5.03% |
| 2 | T M H | 6.63% | 4.68% |
| 3 | FLORIDA A & M UNIVERSITY ★ 2.4 · 44 reviews | 7.30% | 6.63% |
| 4 | FIRST COMMERCE ★ 3.1 · 86 reviews | 7.74% | 5.99% |
A pre-approval from a Tallahassee credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Tallahassee in the same window and take the best offer.
See member reviews, branch locations, and full rate details.