Credit union · NCUA insured
Summit Hampton Roads FCU Auto Loan Rates
Summit Hampton Roads FCU auto loans start at 5.00% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Summit Hampton Roads FCU’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Summit Hampton Roads FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Summit Hampton Roads FCU
5.00%APR
- Terms
- up to 60 months
- Up to
- 15.50% APR
New and Used Autos
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
Summit Hampton Roads FCU auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Summit Hampton Roads 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.
New and Used Autos
Approval is based on creditworthiness, ability to repay, and/or collateral using a risk-based pricing model where interest rate is based on credit score (tiers A through D). 100% financing generally up to 6 years. Pre-approval available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00%–15.50% | 80% financing. Rates vary by credit tier: Tier A: 5.00% APR, Tier B: 6.00% APR, Tier C: 12.00% APR, Tier D: 15.50% APR. |
| up to 60 months | 5.50%–16.00% | 100% financing. Rates vary by credit tier: Tier A: 5.50% APR, Tier B: 6.50% APR, Tier C: 12.50% APR, Tier D: 16.00% APR. |
| up to 72 months | 6.00%–16.50% | 80% financing. Rates vary by credit tier: Tier A: 6.00% APR, Tier B: 7.00% APR, Tier C: 13.00% APR, Tier D: 16.50% APR. |
| up to 72 months | 6.50%–17.00% | 100% financing. Rates vary by credit tier: Tier A: 6.50% APR, Tier B: 7.50% APR, Tier C: 13.50% APR, Tier D: 17.00% APR. |
| up to 84 months | 7.00%–17.50% | 80% financing. Rates vary by credit tier: Tier A: 7.00% APR, Tier B: 8.00% APR, Tier C: 14.00% APR, Tier D: 17.50% APR. |
| up to 84 months | 7.50%–18.00% | 100% financing. Rates vary by credit tier: Tier A: 7.50% APR, Tier B: 8.50% APR, Tier C: 14.50% APR, Tier D: 18.00% APR. |
Sources (4)
All captured Oct 7, 2026
Who can join Summit Hampton Roads FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and volunteers of Bon Secours Mercy Medical Centers are eligible for membership.
Family and household
- Family members of employees and volunteers of Bon Secours Mercy Medical Centers (or current account holders) are eligible for membership.
Cost to join
- A minimum opening balance of $25.00 is required for a Savings account.
Membership information collected October 4, 2026.