Auto Loans · Wesley Chapel, Florida

Best Credit Union Car Loan Rates in Wesley Chapel, Florida

1 credit union in Wesley Chapel report car loan rates to the NCUA. Lowest rate: 5.41%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

5.41%

Lowest New Car Rate

5.41%

City Average Rate

New Vehicle Loan Rates — Wesley Chapel, Florida

1 credit union sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	FICARE ★ 4.1 · 9 reviews	5.41%	6.35%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Wesley Chapel, Florida

1 credit union sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	FICARE ★ 4.1 · 9 reviews	6.35%	5.41%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Wesley Chapel credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Wesley Chapel in the same window and take the best offer.

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