Miami Firefighters Federal Credit Union lists new-auto APRs from 3.59% and used-auto APRs from 3.99% for 36 months, with rates effective Thursday, November 5th, 2026. Its rates page does not set a CARFAX requirement, so ask what underwriting needs first.
I read Miami Firefighters Federal Credit Union's loan rates page and its about page for this November 5, 2026 guide. The auto table says Effective Date: Thursday, November 5th, 2026. The as-low-as figures include a 0.25% payroll deduction discount and a 0.25% direct deposit discount. So your rate can be higher without those.
Read the new and used columns together
For new cars the table shows 3.59% for 36 months, rising to 5.44% for 84 months. For used cars the same terms run from 3.99% to 5.84%. A second used-auto block on the page lists higher floors starting at 4.49%. Ask which row applies to the car you want.
Count the discounts in your quote
The page says the lowest rates assume payroll deduction and direct deposit discounts. Ask the loan officer to show the rate with and without them. Our loan-to-value explainer still matters if the car is older or highly priced.
Ask whether a history report is needed
The rates page I reviewed does not name a required CARFAX or AutoCheck product, report age or who must buy it. Ask whether the credit union orders its own history or needs title papers before funding. Our credit-union branded-title checklist gives you the questions.
Confirm the institution
The official history page says Miami Firefighters Federal Credit Union began in 1935 behind Station 1 on Flagler Street with 28 founding firemen, and still describes itself as a not-for-profit cooperative for members and families. Other firefighter credit unions are separate lenders. Apply through mffcu.org.
Plan collateral and payoff steps
For a private sale with a lien on the title, ask how Miami Firefighters Federal Credit Union sends the payoff and when the title reaches the lender. Our lien-payoff steps and private-seller lien guide walk through the order of steps so nobody hands over money before the paperwork is lined up. Keep GAP, service contracts and other optional products on separate lines, because they change the amount financed and the real cost. Ask for the payoff letter in writing and check that the VIN on it matches the car.
Compare the same car at two or three lenders
A posted floor rate from Miami Firefighters Federal Credit Union is only useful next to another quote for the same VIN, amount and term. Ask each lender for the APR, any fees and the payment on that exact loan. Small fee differences add up on a short loan. If one lender limits the term on an older car, your payment can move more than the rate does. Write each offer down with the date you got it, since posted rates on these pages can change without notice.
Keep the car checks separate from approval
A loan approval does not certify the car's condition or the seller's ownership story. The NYC consumer-agency used-car guidance tells buyers to get a history report and an independent mechanic, and the federal Buyers Guide rule describes dealer disclosures rather than any credit-union CARFAX mandate. Private sales follow a different disclosure setting. Use our inspection checklist to define the mechanical work before you release funds.
Before you authorize funding
Ask Miami Firefighters FCU to confirm the new or used row, the discounts and any history-document rule for your car. So, ask for a dated written approval tied to the actual VIN, amount financed and term. Keep the rate quote, collateral answer, purchase agreement and any payoff instructions together. The CFPB auto-loan resources explain how to shop and compare offers; they do not set this lender's underwriting policy.
We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Guest reports have been about $5.50, member reports about $4.50 and a two-report bundle about $6.75; confirm the price at checkout because it can change. A report can miss unreported work, so keep the inspection appointment even when the history looks quiet.
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