Auto Loans · Miami, Florida
6 credit unions in Miami report car loan rates to the NCUA. Rates range from 3.49% to 6.21%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.49%
Lowest New Car Rate
4.94%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MIAMI POSTAL SERVICE ★ 4.0 · 291 reviews | 3.49% | 3.74% |
| 2 | MIAMI ★ 3.7 · 16 reviews | 3.99% | 6.99% |
| 3 | MIAMI FIREFIGHTERS ★ 3.6 · 15 reviews | 4.89% | 5.25% |
| 4 | UNIVERSITY ★ 4.1 · 39 reviews | 4.99% | 4.99% |
| 5 | EDUCATIONAL ★ 4.5 · 83 reviews | 6.09% | 5.84% |
| 6 | BAPTIST HEALTH SOUTH FLORIDA ★ 3.6 · 17 reviews | 6.21% | 7.18% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MIAMI POSTAL SERVICE ★ 4.0 · 291 reviews | 3.74% | 3.49% |
| 2 | UNIVERSITY ★ 4.1 · 39 reviews | 4.99% | 4.99% |
| 3 | MIAMI FIREFIGHTERS ★ 3.6 · 15 reviews | 5.25% | 4.89% |
| 4 | EDUCATIONAL ★ 4.5 · 83 reviews | 5.84% | 6.09% |
| 5 | MIAMI ★ 3.7 · 16 reviews | 6.99% | 3.99% |
| 6 | BAPTIST HEALTH SOUTH FLORIDA ★ 3.6 · 17 reviews | 7.18% | 6.21% |
A pre-approval from a Miami credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Miami in the same window and take the best offer.
See member reviews, branch locations, and full rate details.