Credit union · NCUA insured
Kemba Roanoke FCU Auto Loan Rates
Kemba Roanoke FCU auto loans start at 4.24% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How Kemba Roanoke FCU’s auto loan rates compare
Compared with banks and credit unions near Roanoke, VA, where Kemba Roanoke FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kemba Roanoke FCU
4.24%APR
- Terms
- —
- Up to
- —
Auto Loans
2nd-lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
- Up to
- —
3rd-lowest rate
PenAir Credit Union
4.74%APR
- Terms
- 36–84 months
- Up to
- 17.49% APR
Kemba Roanoke FCU auto loan score
91
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kemba Roanoke FCU 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 (Models 2010 and below)
Listed under Personal (Unsecured) Loans, Auto/Motorcycle/RV/Boat (Models 2010 and below). Credit union membership is required to apply for a loan. Rates based on creditworthiness, term of loan, loan to value, and age of collateral. All applicants may not qualify for lowest rates. Rates are subject to change at any time and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| — | 10.55% | Models 2010 and below. |
Sources (1)
- kembafcu.org/lending-rates-1 · captured Oct 7, 2026
Auto Loans
Rates are based on creditworthiness, term of loan, loan to value, and age of collateral. Credit union membership is required to apply for a loan. Rates are subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.24% | For New & Used Auto Loans (Models 2021 - 2026) |
| — | 4.74% | For Used Auto Loans (Models 2016 - 2020) |
| — | 8.85% | For Used Auto Loans (Models 2011 - 2015) |
Sources (1)
- kembafcu.org/lending-rates-1 · captured Oct 7, 2026
Who can join Kemba Roanoke FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 in the state of Virginia can join KEMBA through the Virginia Consumer Council at no cost.
Employers and groups
- Individuals who are currently employed, retired, members, or volunteers at one of the listed Select Employee Groups are eligible for membership.
Family and household
- Individuals related to or living in the same household as an existing member, or related to an employee, retired employee, or volunteer of a Select Employee Group, are eligible for membership.
Membership information collected October 4, 2026.