Credit union · NCUA insured
The Summit Federal Credit Union Auto Loan Rates
Top CarrotThe Summit Federal Credit Union auto loans start at 5.35% APR for a new vehicle and 5.65% for a used one. Rates checked October 16, 2026.
How The Summit Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where The Summit Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The Summit Federal Credit Union
5.35%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
- Discount
- None included
The Summit Federal Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.35%
- Used vehicleUsed5.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Summit 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 Loan
Must be 18 years of age or older to apply. All loans subject to credit approval. Must be a member of The Summit FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.95% | Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 36 months | 5.20% | Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 48 months | 5.20% | Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 48 months | 5.45% | Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 60 months | 5.35% | Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 60 months | 5.60% | Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 72 months | 5.90% | Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 72 months | 6.15% | Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 84 months | 6.65% | Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Check current Loan Rate Sheet for minimum dollar amount and details. Best rates shown. |
| up to 84 months | 6.90% | Fixed APR with billing. APR varies depending on credit history. Check current Loan Rate Sheet for minimum dollar amount and details. Best rates shown. |
Sources (1)
- summitfcu.org/loans/auto-loans · captured Oct 16, 2026
Used Auto Loan
Must be 18 years of age or older to apply. All loans subject to credit approval. Must be a member of The Summit FCU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Applies to 2018 & newer. Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 36 months | 5.50% | Applies to 2018 & newer. Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 48 months | 5.35% | Applies to 2020 & newer. Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 48 months | 5.60% | Applies to 2020 & newer. Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 60 months | 5.65% | Applies to 2021 & newer. Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 60 months | 5.90% | Applies to 2021 & newer. Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 72 months | 5.95% | Applies to 2022 & newer. Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown. |
| up to 72 months | 6.20% | Applies to 2022 & newer. Fixed APR with billing. APR varies depending on credit history. Best rates shown. |
| up to 84 months | 6.75% | Applies to 2024 & newer. Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Check current Loan Rate Sheet for minimum dollar amount and details. Best rates shown. |
| up to 84 months | 7.00% | Applies to 2024 & newer. Fixed APR with billing. APR varies depending on credit history. Check current Loan Rate Sheet for minimum dollar amount and details. Best rates shown. |
Sources (1)
- summitfcu.org/loans/auto-loans · captured Oct 16, 2026
Who can join The Summit Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.