Auto Loans · West Palm Beach, Florida
2 credit unions in West Palm Beach report car loan rates to the NCUA. Rates range from 5.00% to 5.29%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.15%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST CHOICE ★ 3.4 · 96 reviews | 5.00% | 5.50% |
| 2 | GUARDIANS ★ 3.6 · 363 reviews | 5.29% | 5.29% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GUARDIANS ★ 3.6 · 363 reviews | 5.29% | 5.29% |
| 2 | FIRST CHOICE ★ 3.4 · 96 reviews | 5.50% | 5.00% |
A pre-approval from a West Palm Beach 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 West Palm Beach in the same window and take the best offer.
See member reviews, branch locations, and full rate details.