Auto Loans

Your next ride starts with a rate that works for you.

Happy woman in car
Auto Loans

Drive Forward with a Loan That Fits Your Life

Whether you’re buying your first car or upgrading your ride, we make financing feel more straightforward. Get a competitive rate, flexible payment options, and support from a team that puts you first.

  • Multiple-Stars--Streamline-MicroShop with confidence

Get pre-approved before you visit the dealership, so you know what fits your budget.


  • icon-dollarKeep more in your pocket

As a member-focused, value-driven credit union, we’re built to offer lower rates.

Features

Rates that fit your budget

Know your buying power before you shop

Support from real people

Get Auto Rate Updates

Subscribe to get notified when Auto rates decrease.

Recreational Loans

Make Room for More Adventure

From weekends on the water to road trips and open-road rides, financing can help bring your next adventure closer. Bring home the RV, boat, or motorcycle you've been dreaming about. 

  • map-dotMake your next adventure possible
  • icon-dollarPayments that fit your lifestyle
  • Keep more money for you
Father and son camping RV

Features

Flexible terms up to 144 months*

No lender fees

Up to 100% financing

Optional Protection for Your Loan

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GAP Insurance

GAP is optional protection for what your auto insurance may not cover.

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GAP Insurance

GAP is optional protection for what your auto insurance may not cover.

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Auto Warranty Coverage

Protect yourself from unexpected covered repair costs with Mechanical Repair Coverage.

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Auto Warranty Coverage

Protect yourself from unexpected covered repair costs with Mechanical Repair Coverage.

Auto Calculators

How much will my car payment be?

$0 $80,000

Your Estimated Payment:

/mo

How much will my car payment be?

$0 $80,000

Your Estimated Payment:

/mo

How much will my new car payment be?

Your New Estimated Payment:

/mo

Calculators provide estimates only and do not constitute a loan offer or guarantee of rates or terms. Actual rates and payments may vary based on creditworthiness and other factors.

Have a Question About Auto Loans?

Need a little breathing room?

With Skip-a-Payment, you can skip an eligible loan payment up to twice per calendar year.**

Ready to Buy?

APR = Annual Percentage Rate. Rates shown are generally the lowest currently available.

Subject to completed application and approval. Qualifying interest rate, term, and loan-to-value (LTV) are based on creditworthiness. Ask for your specific rate. For used vehicles, the term and loan-to-value may also be determined by the vehicle’s model year and/or mileage. Call 850-747-4321 or 877-747-4321 (toll-free) for details.

The payment amount per $1,000 on a New Auto Loan originated at 3.24% APR financed for 36 months would be $29.23.
The payment amount per $1,000 on a New Auto Loan originated at 4.64% APR financed for 48 months would be $22.92.
The payment amount per $1,000 on a New Auto Loan originated at 4.89% APR financed for 60 months would be $18.87.
The payment amount per $1,000 on a New Auto Loan originated at 5.39% APR financed for 75 months would be $15.78.
The payment amount per $1,000 on a New Auto Loan originated at 5.69% APR financed for 84 months would be $14.50.

The payment amount per $1,000 on a Used Auto Loan originated at 3.24% APR financed for 36 months would be $29.23.
The payment amount per $1,000 on a Used Auto Loan originated at 4.79% APR financed for 48 months would be $22.99.
The payment amount per $1,000 on a Used Auto Loan originated at 4.89% APR financed for 60 months would be $18.87.
The payment amount per $1,000 on a Used Auto Loan originated at 5.39% APR financed for 75 months would be $15.78.
The payment amount per $1,000 on a Used Auto Loan originated at 5.69% APR financed for 84 months would be $14.50.

Rates are subject to change without notice.

Membership required; NO membership fee applies.

LATE CHARGE - If your payment is more than 10 days late, we may collect a late payment charge from you of 10% of the payment then due, with a minimum of $5.00.

GAP, which includes deductible assistance, is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

© TruStage

GPM365

GAP-3395240.4-1223-0126

 

*New Boat: A $50,000 loan for 144 months at 8.79% APR would be $565.16.
Used Boat: A $50,000 loan for 120 months at 8.94% APR would be $634.05.

 

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at P.O. Box 802746 Chicago, Illinois 60680-2747, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

The Assurant® mark and the Vehicle Care by Assurant® application are the sole property of Assurant, Inc.

© TruStage

MRC-7951242.1-0525-0627

 

**Excluding Real Estate, Home Equity and HELOC, Mobile Home Loans, Workout Loans, Courtesy Pay Loans, Credit Builder Loans and Account Secured Loans. Offer subject to approval. All loans must be current to qualify. Must have made the previous month's payment before skipping a payment. A loan’s first payment is not eligible for Skip-a-Payment. Eligible loans can be skipped up to 10 days after the due date. However, if automatic payments are set from a non-Tyndall Financial Institution, your loan is skip-eligible 10 days before the payment due date. If you choose to skip a payment, interest will continue to accrue on your loan and it will take longer to repay the loan. On each eligible Tyndall loan, you may only skip a loan payment two (2) times per year, even though the Skip-a-Payment program is offered year-round. If you booked your loan under a 90 Days No Payments promotion, the loan is ineligible to be skipped until after the initial 12 payments have been made. If you have elected GAP coverage, you may skip payments up to ten (10) times for contracts dated after April 29, 2026, or up to six (6) times for contracts dated before April 29, 2026. Your accounts and loans must be in good standing in order for you to be eligible for the Skip-a-Payment program. Membership may not show a bankruptcy on file. Membership required; NO membership fee applies.