Auto Loan (new, used, refinance) — Florida State University Credit Union is a auto loan from Florida State University Credit Union. The ongoing APR is promotional rates as low as 3.99% APR on new, used or refinance auto loans. Shopping for a new car or wanting to refinance from another institution to lower your auto payments? Take advantage of our special auto loan promotion with rates as low as 3.99% APR* on new, used, or refinance auto loans.