The FAMU Federal Credit Union is a auto loan from FAMU Federal Credit Union. The ongoing APR is New and Used Auto (up to 4 model years old) 1-36 months: 6.00% to 15.00%; New and Used Auto (up to 5 model years old) 43-84 months: 7.50% to 15.00%; Used Auto (5 to 8 model years old) 1-60 months: 8.50% to 15.00%; Used Auto (9 to 12 model years old) 1-60 months: 9.50% to 15.00% (effective 6/25/2025). Loan terms: 1-36 months, 43-84 months or 1-60 months depending on vehicle age.