Auto/Vehicle Loans

Auto Loans

New/Used Auto Loans

  • Competitive loan rates
  • Easy application process
  • Fast local approval
  • Reduced rate with direct deposit payments!

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Auto Loan Refinancing

  • Make sure you are getting the most out of your payments
  • We are dedicated to getting you the most affordable rate for your vehicle

Apply online below or call us at 850.222.4541

apply now

New Auto Loan Rates

Loan Term Rate
New and Used Auto
(up to 4 model years old)
1-48 months 3.19% to 18.00%
New and Used Auto
(up to 4 model years old)
49-60 months 3.55% to 18.00%
New and Used Auto
(up to 4 model years old)
61-72 months 4.05% to 18.00%
New and Used Auto
(up to 4 model years old)
over $40,000
73-84 months 5.60% to 18.00%
Used Auto
(5 to 8 model years old)
1-48 months 5.05% to 18.00%
Used Auto
(5 to 8 model years old)
over $30,000
49-60 months 5.35% to 18.00%

Effective 01/17/2019

*Loan rates and amounts are based on the individual applicant's credit worthiness.

**VARIABLE RATE-the interest rate and/or term may change if the share rate or certificate rate changes.

These rates are current as of the date listed above and are subject to change without notice. These interest rates are for qualified FAMU FCU members only. These rates are provided for information only and are not intended to be a full disclosure. Please contact us for more details.

FEES AND CHARGES: If you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the LoanLiner Plan. Those fees will be disclosed at the time of the advance and will be added to your loan balance unless you pay them in cash.

MILEAGE NOTICE: If mileage is greater than 50,000 add 50 basis points to approved rate. If mileage is greater than 75,000 add 100 basis points to approved rate

LATE CHARGES: In addition to the continued accrual of the FINANCE CHARGE at the Daily Periodic Rate, if you fail to pay, at least, the minimum payment on any loan sub-account within 10 days after it is due, the Credit Union may assess a late charge equal to 10% of the payment due; with a maximum of $30.00.

COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.

ADDITIONAL SECURITY: All share balances that you have with the Credit Union are subject to lien by the Credit Union whether specifically pledged or not. If you default on any loan advanced under the plan, the Credit Union shall be entitled to apply shares to any amount of charges then due under the Plan.

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue

Important Message

You are leaving FAMU Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by FAMU Federal Credit Union. The site you are about to visit may have a privacy policy that is different than FAMU Federal Credit Union’s. Please review their privacy policy. FAMU Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue