Credit union · NCUA insured
Beach Municipal Federal Credit Union Auto Loan Rates
Beach Municipal Federal Credit Union auto loan rates start at 3.25% APR. Rates checked October 22, 2026.
How Beach Municipal Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Beach Municipal Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Beach Municipal Federal Credit Union
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership at Beach Municipal Federal Credit Union required prior to applying for credit. Features fixed interest rates, no application fees, and no penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.25%–17.99% | Rate varies by loan term, loan amount, credit score, qualifications, and collateral conditions. Relationship discount up to 0.50% APR available with any two qualifying services (direct deposit of net pay, $5,000+ in Share Certificate, payroll/ACH/automatic transfer, online application, eAccounts), subject to a 2.75% APR floor rate. |
Sources (3)
- beachmunicipal.org/borrow/vehicle-loans
- beachmunicipal.org/borrow/vehicle-loans/auto-loans
- beachmunicipal.org
All captured Oct 4, 2026
Vehicle Refinancing
Membership at Beach Municipal Federal Credit Union required prior to applying for credit. Features fixed interest rates, flexible loan terms, no loan application fees, and no penalty for early payoff.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.25%–17.99% | Rate varies by loan term, loan amount, credit score, qualifications, and collateral conditions. Relationship discount up to 0.50% APR available with any two qualifying services (direct deposit of net pay, $5,000+ in Share Certificate, payroll/ACH/automatic transfer, online application, eAccounts), subject to a 2.75% APR floor rate. |
Who can join Beach Municipal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Appointed members of boards and commissions of the City of Virginia Beach are eligible for membership.
- Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools, including the Adult Learning Center, are eligible for membership.
- Persons retired as pensioners from the City of Virginia Beach or Virginia Beach City Public Schools are eligible for membership.
- Volunteers performing regular duties assigned to City or School departments or facilities are eligible for membership.
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step-parents, step-children, step-siblings, and adoptive relationships) of eligible individuals are eligible for membership.
- Spouses of persons who died while within the field of membership of this Credit Union are eligible for membership.
1 more way to join
Other ways
- Organizations of eligible individuals are eligible for membership.
Cost to join
- A $1 membership fee is required upon opening an account, which is waived for Long John Saver Kids Club accounts.
- A $5 share deposit is required to open and maintain a member share account, representing the member's share of the Credit Union.
Membership information collected October 4, 2026.