Auto Loan Rates in Key Biscayne, Florida (FL) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Key Biscayne, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Key Biscayne, Florida include My Pensacola Federal Credit UnionMy Pensacola Federal Credit UnionA+5.0 ★Texas Ratio: 0.87% offering Celebrating Our Members Auto Loans (New) Special* at 3.15%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 1.77% offering Auto Loans (with 10% Down Payment) 2019-2026 at 3.24%, Keys Federal Credit UnionKeys Federal Credit UnionA5.0 ★Texas Ratio: 10.34% offering Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Key Biscayne borrowers have access to 50 lenders serving the Florida area, with auto loan rates as low as 3.15% APR from My Pensacola Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Key Biscayne, Florida. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Key Biscayne, Florida & Surrounding Area
Key Biscayne Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Celebrating Our Members Auto Loans (New) Special*
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 29, 2026
Details
special rate up to 24 months*
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Celebrating Our Members Auto Loans (Used) Special*
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 29, 2026
Details
special rate up to 24 months*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) 2019-2026
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Auto Loans
3.25%
84 Months
▼
APR3.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Terms up to 84 months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
APR3.49%
TermUp to 84
Last UpdatedMay 18, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 0% Down Payment) 2019-2026
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
APR3.50%
Term12-36
Last UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJun 1, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) 2019 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) 2020-2026
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMay 23, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJun 1, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMay 22, 2026
Details
APR3.99%
TermUp to 84
Last UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 0% Down Payment) 2019 & older
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 0% Down Payment) 2020-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; 24 month to 84 month terms
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 22, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 23, 2026
Details
APR4.00%
Term37-48
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJun 1, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedMay 29, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 20, 2026
Details
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 23, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedMay 20, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.49%
Up to 84
▼
APR4.49%
TermUp to 84
Last UpdatedJun 1, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.49%
Up to 84
▼
APR4.49%
TermUp to 84
Last UpdatedJun 1, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
New Automobile (2025 & newer)
4.50%
up to 84
▼
APR4.50%
Termup to 84
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJun 1, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) 2021-2026
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
Used Automobile (2017 & newer)
4.75%
up to 72
▼
APR4.75%
Termup to 72
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
APR4.75%
Term49-60
Last UpdatedJun 1, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedJun 3, 2026
Details
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedMay 23, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJun 1, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 21, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedMay 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMay 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJun 3, 2026
Details
As Low As; Special Rate
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 0% Down Payment) 2021-2026
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans 90% Financing 2 Year
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMay 22, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles Loan
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedMay 29, 2026
Details
As Low As; 1-2 yrs. old
APR5.00%
Term61-72
Last UpdatedJun 1, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMay 17, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Auto Loans
5.04%
49 - 66 Months
▼
APR5.04%
Term49 - 66 Months
Last UpdatedMay 20, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedMay 23, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedMay 30, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedMay 20, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
APR5.23%
Term72 months
Last UpdatedJun 3, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 17, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 49-60 Months
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 680-719
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Auto Loans
5.24%
67 - 78 Months
▼
APR5.24%
Term67 - 78 Months
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Sport Vehicle Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 30, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Cars, Trucks, Vans Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Car (as low as)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans 90% Financing 3 Year
5.25%
3 Months
▼
APR5.25%
Term3 Months
Last UpdatedMay 22, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 23, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 22, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedMay 23, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 21, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedMay 20, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedJun 1, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 61-72 Months
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Car
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 49-60 Months
Insight Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Used Vehicles - Model years 2017 to 2024
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedMay 30, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJun 3, 2026
Details
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) 2022-2026
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Key Biscayne New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Celebrating Our Members Auto Loans (New) Special*
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 29, 2026
Details
special rate up to 24 months*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
APR3.49%
TermUp to 84
Last UpdatedMay 18, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJun 1, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMay 22, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 22, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJun 1, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedMay 29, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 20, 2026
Details
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 23, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedMay 20, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.49%
Up to 84
▼
APR4.49%
TermUp to 84
Last UpdatedJun 1, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
New Automobile (2025 & newer)
4.50%
up to 84
▼
APR4.50%
Termup to 84
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
Used Automobile (2017 & newer)
4.75%
up to 72
▼
APR4.75%
Termup to 72
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedMay 23, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMay 22, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMay 20, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMay 17, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedMay 23, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedMay 30, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedMay 20, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 17, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 49-60 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 680-719
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Sport Vehicle Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 30, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Car (as low as)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 23, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJun 3, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 22, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedMay 20, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedJun 1, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 61-72 Months
Insight Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Vehicle Loans New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
CREDIT SCORE 720+
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
Powered by
MonitorBankRates
Key Biscayne Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Celebrating Our Members Auto Loans (Used) Special*
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 29, 2026
Details
special rate up to 24 months*
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMay 22, 2026
Details
APR3.50%
Term12-36
Last UpdatedJun 1, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMay 23, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMay 22, 2026
Details
APR3.99%
TermUp to 84
Last UpdatedMay 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 1, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 22, 2026
Details
APR4.00%
Term37-48
Last UpdatedJun 1, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
4.49%
Up to 84
▼
APR4.49%
TermUp to 84
Last UpdatedJun 1, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJun 1, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
Used Automobile (2017 & newer)
4.75%
up to 72
▼
APR4.75%
Termup to 72
Last UpdatedMay 23, 2026
Details
As Low As
APR4.75%
Term49-60
Last UpdatedJun 1, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedJun 3, 2026
Details
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJun 1, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedMay 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans 90% Financing 2 Year
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMay 22, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles Loan
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedMay 29, 2026
Details
As Low As; 1-2 yrs. old
APR5.00%
Term61-72
Last UpdatedJun 1, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJun 1, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMay 20, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedMay 23, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; up to 48 Months
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83
▼
APR5.24%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Cars, Trucks, Vans Loan
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans 90% Financing 3 Year
5.25%
3 Months
▼
APR5.25%
Term3 Months
Last UpdatedMay 22, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 22, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedMay 23, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Car
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 49-60 Months
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
Used Vehicles - Model years 2017 to 2024
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 20, 2026
Details
As Low As; not over 7 years or 150k miles
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83
▼
APR5.49%
Term61 to 83
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJun 3, 2026
Details
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
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Key Biscayne, FL Auto Loan Rate Trends
Compare local Key Biscayne, FL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — FL Avg
5.101%
▼ 0.006 vs 7 days ago
Florida new auto rates fell 0.006 points over the past 7 days to 5.101% APR.
Used Auto Loan — FL Avg
5.781%
▼ 0.103 vs 7 days ago
Florida used auto rates fell 0.103 points over the past 7 days to 5.781% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Key Biscayne, Florida auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Key Biscayne, Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Key Biscayne, Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Key Biscayne, Florida
How does my credit score affect my car loan rate in Florida?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Key Biscayne, Florida with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Florida *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Key Biscayne, Florida typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Key Biscayne, Florida?
Based on our current data, some of the lowest auto loan rates available in Key Biscayne, Florida include:
- My Pensacola Federal Credit Union: 3.15% (Celebrating Our Members Auto Loans (New) Special*)
- Baxter Credit Union: 3.24% (Auto Loans)
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) 2019-2026)
- Keys Federal Credit Union: 3.25% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Key Biscayne, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Key Biscayne, Florida Rates & Resources
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