Auto Loans · Tampa, Florida
11 credit unions in Tampa report car loan rates to the NCUA. Rates range from 2.99% to 7.57%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
2.99%
Lowest New Car Rate
5.39%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TRANSPORT ★ 4.0 · 21 reviews | 2.99% | 6.24% |
| 2 | FLORIDA CUSTOMS ★ 5.0 · 4 reviews | 3.84% | 5.99% |
| 3 | USF FEDERAL CREDIT UNION ★ 4.8 · 351 reviews | 5.00% | 5.00% |
| 4 | TAMPA POSTAL ★ 3.5 · 24 reviews | 5.20% | 5.70% |
| 5 | FLORIDACENTRAL ★ 4.2 · 133 reviews | 5.25% | 5.75% |
| 6 | POWERNET ★ 4.6 · 27 reviews | 5.69% | 6.82% |
| 7 | GTE ★ 4.3 · 643 reviews | 5.74% | 6.24% |
| 8 | GROW FINANCIAL ★ 2.0 · 53 reviews | 5.99% | 6.99% |
| 9 | SUNCOAST ★ 1.9 · 38 reviews | 6.00% | 6.50% |
| 10 | TRAX ★ 4.2 · 309 reviews | 6.01% | 7.68% |
| 11 | TAMPA BAY ★ 4.0 · 409 reviews | 7.57% | 7.99% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | USF FEDERAL CREDIT UNION ★ 4.8 · 351 reviews | 5.00% | 5.00% |
| 2 | TAMPA POSTAL ★ 3.5 · 24 reviews | 5.70% | 5.20% |
| 3 | FLORIDACENTRAL ★ 4.2 · 133 reviews | 5.75% | 5.25% |
| 4 | FLORIDA CUSTOMS ★ 5.0 · 4 reviews | 5.99% | 3.84% |
| 5 | TRANSPORT ★ 4.0 · 21 reviews | 6.24% | 2.99% |
| 6 | GTE ★ 4.3 · 643 reviews | 6.24% | 5.74% |
| 7 | SUNCOAST ★ 1.9 · 38 reviews | 6.50% | 6.00% |
| 8 | POWERNET ★ 4.6 · 27 reviews | 6.82% | 5.69% |
| 9 | GROW FINANCIAL ★ 2.0 · 53 reviews | 6.99% | 5.99% |
| 10 | TRAX ★ 4.2 · 309 reviews | 7.68% | 6.01% |
| 11 | TAMPA BAY ★ 4.0 · 409 reviews | 7.99% | 7.57% |
A pre-approval from a Tampa 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 Tampa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.