Credit union · NCUA insured
Kemba Charleston Federal Credit Union Auto Loan Rates
Kemba Charleston Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Kemba Charleston Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, WV, where Kemba Charleston Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kemba Charleston Federal Credit Union
4.99%APR
- Terms
- up to 72 months
- Discount
- None included
New Vehicle Loan
Lowest rate
Charleston FCU
4.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Kemba Charleston Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kemba Charleston Federal 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.
Motorcycles and ATVs Loan
All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply. Rates are subject to change at any time as determined by the Board of Directors.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.00% | New Motorcycles and ATVs (36 mos.) |
| up to 48 months | 8.50% | New Motorcycles and ATVs (48 mos.) |
| up to 60 months | 9.00% | New Motorcycles and ATVs (60 mos.) |
| up to 48 months | 9.50% | Used Motorcycles and ATVs (2-5 Years Old; 48 mos.) |
| up to 36 months | 10.00% | Used Motorcycles and ATVs (5 Year and Older; 36 mos.) |
Sources (2)
All captured Oct 15, 2026
New Vehicle Loan
All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply. Rates are subject to change at any time as determined by the Board of Directors.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.99% | 95% LTV or less; Up to 72 months |
| up to 72 months | 5.49% | Over 95% LTV; Up to 72 months |
| up to 84 months | 5.49% | Over 6 Years (84 months); 95% LTV or less |
| up to 84 months | 5.99% | Over 6 Years (84 months) over 95% LTV |
Sources (2)
All captured Oct 15, 2026
Used Vehicle Loan
All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply. Rates are subject to change at any time as determined by the Board of Directors.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | 2024-2026 \u2013 60 mos.; 95% LTV or less |
| up to 60 months | 5.49% | 2024-2026 \u2013 60 mos.; over 95% LTV |
| up to 84 months | 5.99% | 2024-2026 \u2013 84 mos.; 95% LTV or less |
| up to 84 months | 6.49% | 2024-2026 \u2013 84 mos.; over 95% LTV |
| up to 48 months | 5.74% | 3-5 Years, 48 mos.; 95% LTV or less |
| up to 48 months | 6.24% | 3-5 Years, 48 mos.; over 95% LTV |
| up to 72 months | 6.74% | 3-5 Years, 72 mos.; 95% LTV or less |
| up to 72 months | 7.24% | 3-5 Years, 72 mos.; over 95% LTV |
| up to 36 months | 5.74% | 6-8 Years, 36 mos.; 95% LTV or less |
| up to 36 months | 6.24% | 6-8 Years, 36 mos.; over 95% LTV |
| up to 60 months | 6.74% | 6-8 Years, 60 mos.; 95% LTV or less |
| up to 60 months | 7.24% | 6-8 Years, 60 mos.; over 95% LTV |
| up to 24 months | 9.25% | Older than 8 Years, 24 mos.; 95% LTV or less |
| up to 24 months | 9.75% | Older than 8 Years, 24 mos.; over 95% LTV |
Sources (2)
All captured Oct 15, 2026
Who can join Kemba Charleston Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, worship, or attend school, as well as business entities, in the towns of Dunbar, Institute, and Nitro, WV within zip codes 25064, 25112, or 25143 and census tracts 0101.00-0104.00 or 0106.00 are eligible for membership.
Employers and groups
- Employees of Kroger Co. are eligible for membership.
- Employees and members of designated select employee groups and affiliated organizations are eligible for membership.
Military, government and schools
- Employees of Kanawha County Emergency Ambulance Authority who work in or are paid from Charleston, WV are eligible for membership.
Family and household
- Families of Kroger Co. employees are eligible for membership.
Cost to join
- Opening a primary share account requires a minimum share deposit of $5.00 (par value $5.00).
Membership information collected October 4, 2026.