Credit union · NCUA insured
SUMA Federal Credit Union Auto Loan Rates
Top CarrotSUMA Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 16, 2026.
How SUMA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where SUMA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SUMA Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
SUMA Federal Credit Union auto loan score
82
Auto loan score
Higher than 59% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SUMA 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.
New Auto Loans
100% Financing for autos $50,000 or less; 90% financing maximum for autos over $50,000. Stated rates require a credit score of 700 or above. Financing does not include sales tax, tags, destination charges, etc. Personal-use vehicles only.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | With 700 Credit Score or above. Term up to 4 Years. |
| up to 60 months | 4.75% | With 700 Credit Score or above. Term 5 Year. |
| up to 72 months | 4.99% | With 700 Credit Score or above. Term 6 Year. |
Sources (2)
All captured Oct 16, 2026
Specialty Vehicle Loans
Must have 700+ credit score (general eligibility).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.00% | Term: Up to 5 Years. |
Sources (1)
- sumafcu.org/info-hub/rates · captured Oct 16, 2026
Used Auto Loans
90% Financing. Stated rates require a credit score of 700 or above. Financing does not include sales tax, tags, destination charges, etc. Used vehicles up to 10 years old; personal-use vehicles only.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | With 700 Credit Score or above. Term 2 Year. |
| up to 36 months | 5.25% | With 700 Credit Score or above. Term 3 Year. |
| up to 48 months | 5.50% | With 700 Credit Score or above. Term 4 Year. |
| up to 60 months | 5.75% | With 700 Credit Score or above. Term 5 Year. |
Sources (2)
All captured Oct 16, 2026
Who can join SUMA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the sponsor organization, Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc.
- Membership is open to parishioners of The Encounter of our Lord and Savior Jesus Christ mission parish in St. Augustine, FL.
- Membership is open to parishioners of Epiphany of our Lord Ukrainian Catholic Church in St. Petersburg, FL.
- Membership is open to parishioners of St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok) in North Port, FL.
- Membership is open to parishioners of St. Mary's Ukrainian Catholic Church in North Port, FL.
- Membership is open to parishioners of St. Michael the Archangel Ukrainian Catholic Church in New Haven, CT.
5 more ways to join
Employers and groups
- Membership is open to parishioners of St. Michael the Archangel Ukrainian Catholic Church in Yonkers, NY.
- Membership is open to parishioners of St. Vladimir Ukrainian Catholic Cathedral in Stamford, CT.
- Membership is open to parishioners of Saints Peter & Paul Ukrainian Catholic Church in Spring Valley, NY.
- Membership is open to parishioners of Ukrainian Baptist Church in North Port, FL.
- Membership is open to parishioners of Ukrainian Bible Church in North Port, FL.
Membership information collected October 5, 2026.