Credit union · NCUA insured
Beacon Credit Union Auto Loan Rates
Top CarrotBeacon Credit Union auto loans start at 7.25% APR for a new vehicle and 7.25% for a used one. Rates checked October 22, 2026.
How Beacon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lynchburg, VA, where Beacon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Beacon Credit Union
7.25%APR
- Terms
- up to 66 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Kemba Roanoke FCU
4.24%APR
- Terms
- —
- Discount
- None included
Beacon Credit Union auto loan score
61
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew7.25%
- Used vehicleUsed7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Beacon Credit Union ranks
By auto loan score, in each area where it has branches
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 Loan Refinance Promotional Rate
To qualify for Beacon products a $5 membership share is required. Subject to a $299 processing fee. Loan must have 90 days of payment history before vehicle can be refinanced. Rate reflects a 0.10% discount requiring automatic transfer from Credit Union account or ACH payment originated by Credit Union. Current Beacon loans are not eligible. Interest accrues during deferred payment period (skip first two months of payments).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.89% | Lowest rate for qualified applicants with minimum loan amount of $20,000. Includes 0.10% discount for automatic transfer or ACH payment. Promotional loan rate subject to $299 processing fee. Maximum term allowed is 84 months. No payments for first 2 months. |
Sources (2)
All captured Oct 7, 2026
New & Used Auto Loans
To qualify for Beacon products a $5 membership share is required. Rates are subject to credit qualifications and some restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.25% | — |
| up to 66 months | 7.25% | — |
| up to 72 months | 7.69% | — |
| up to 84 months | 7.99% | — |
| up to 96 months | 9.75% | — |
Who can join Beacon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, and businesses and other legal entities located in Amherst County, Appomattox County, Bedford County, Campbell County, Nelson County, Rockbridge County, Pittsylvania County, Caswell County NC, Rockingham County NC, Roanoke County, Botetourt County, City of Lynchburg, City of Lexington, City of Buena Vista, City of Danville, City of Roanoke, City of Salem, City of Reidsville NC, City of Eden NC, Town of Altavista, Town of Appomattox, Town of Bedford (Region 2000), or the township of Vinton are eligible for membership.
Employers and groups
- Members at the time of community charter conversion of credit unions affiliated with the Virginia Credit Union League, the Virginia Credit Union League itself, affiliated credit union corporations, and existing select employee groups are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, credit union employees, retirees/pensioners/annuitants from credit union employment, members of their immediate families (related by blood, marriage, or adoption), and organizations/associations of such persons are eligible for membership.
Cost to join
- A $5 membership share is required to qualify for Beacon products.
Membership information collected October 4, 2026.