Credit union · NCUA insured
Summit Credit Union Auto Loan Rates
Summit Credit Union auto loans start at 5.95% APR for a new vehicle and 6.20% for a used one. Rates checked October 5, 2026.
How Summit Credit Union’s auto loan rates compare
Compared with banks and credit unions near Madison, WI, where Summit Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Summit Credit Union
5.95%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Car Loans
Lowest rate
Bank of Sun Prairie
4.70%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
2nd-lowest rate
Madison Fire Department Credit Union
4.87%APR
- Terms
- up to 60 months
- Discount
- None included
Summit Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew5.95%
- Used vehicleUsed6.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Summit 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.
Green Auto Loan
Available on all new and used fully electric and hybrid cars. Vehicles meeting Green Auto Discount standards receive a 0.25% discount off stated APR (reflected in advertised rates). Discount does not apply to existing auto loans. 84-month term is for new purchases only; minimum loan amounts may apply. Rates reflect a discount for electronic payments and an established Summit Credit Union checking account. Model year bounds: 2024-2026, 2014-2023, 2013 and Older. Stated APRs are 'as low as' based on creditworthiness and repayment option.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.29% | Model years 2024 to 2026. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 5.29% | Model years 2024 to 2026. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 5.44% | Model years 2024 to 2026. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 5.70% | Model years 2024 to 2026. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 72 months | 5.95% | Model years 2024 to 2026. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 84 months | 6.95% | Model years 2024 to 2026. 84-month term is for new purchases only. Minimum loan amounts may apply. Rate is as low as. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 24 months | 5.36% | Model years 2014 to 2023. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 5.36% | Model years 2014 to 2023. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 5.61% | Model years 2014 to 2023. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 5.95% | Model years 2014 to 2023. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 72 months | 7.05% | Model years 2014 to 2023. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 24 months | 6.79% | Model years 2013 and Older. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 7.10% | Model years 2013 and Older. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 7.35% | Model years 2013 and Older. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 7.60% | Model years 2013 and Older. Rate is as low as. Minimum loan amounts apply. Stated rate reflects green auto discount and discount for electronic payments and established Summit Credit Union checking account. |
Sources (2)
All captured Oct 5, 2026
New & Used Car Loans
Loans for new and used vehicles (car, truck, or motorcycle) in Wisconsin. 90-day no-payment promotion available with minimum credit score of 699 for loans new to Summit. Rates reflect a discount for electronic payments and an established Summit Credit Union checking account. Rate without electronic payment and established checking will be higher. APR may increase after closing if electronic payment is discontinued. Model year bounds: 2024-2026 (New), 2014-2023 (Used), 2013 and Older (Used). Minimum loan amounts apply to older used vehicles. Stated APRs are 'as low as' based on creditworthiness and repayment option.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.54% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 5.54% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 5.69% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 5.95% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 72 months | 6.20% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 84 months | 7.20% | Model years 2024 to 2026 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 24 months | 5.61% | Model years 2014 to 2023 (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 5.61% | Model years 2014 to 2023 (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 5.86% | Model years 2014 to 2023 (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 6.20% | Model years 2014 to 2023 (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 72 months | 7.30% | Model years 2014 to 2023 (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 24 months | 7.04% | Model years 2013 and Older (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 36 months | 7.35% | Model years 2013 and Older (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 48 months | 7.60% | Model years 2013 and Older (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
| up to 60 months | 7.85% | Model years 2013 and Older (Used). Rate is as low as. Minimum loan amounts apply. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account. |
Sources (2)
All captured Oct 5, 2026
Who can join Summit Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.