The Florida Credit Union is a auto loan from Florida Credit Union. The ongoing APR is Motorcycle Cruiser: as low as 5.357% APR (Model 2025 and newer, 36 months) to 5.727% APR (Model 2023-2024, 72 months); minimum APR 5.357% - maximum APR 17.000%; higher rates for Sport Bikes (rates accurate as of 09/30/2026). Loan terms: 36, 60 or 72 months (rate sheet); allowable terms vary by loan amount.