Rates accurate as of [timestamp] APR = Annual Percentage Rate. 2 VPR is Variable Periodic Rate. Whatever the road ahead holds for you, we’re here to help. Never underestimate the power of financing to help keep your car payments on the easy side - and save you money in the long run. Your rate may vary based upon your creditworthiness and repayment option. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. Closing costs range from $215-$350 unless appraisal or title insurance fees are required. Your Rate is partially based on your credit worthiness and ability to pay. 1 Rates shown are available based on loan term, creditworthiness and collateral condition. After all, it’s one of life’s biggest purchases and a decision you’ll be probably be living with for a while. Enjoy three payment-free months with Summit's 90-day no payment option. National Credit Union Administration, a U.S. Government Agency. Minimum credit score of 651 or more to qualify for promotional rate. If interest rates go up, your rate will not. Receive useful tips and articles right in your inbox, and be the first to know about new promotions, events and products at Summit. Contact Us; Locations, Hours, & ATMs; Borrow. Prime Rate as of 03/15/2020 is 3.25%. Consumers Credit Union (CCU) offers auto loan rates to its members as low as 2.69% for new car loans up to 60 months. The VPR is subject to change quarterly. Get a 0.25% rate discount with automatic payments and a Summit checking account and optional auto insurance discounts through TruStage Insurance – all because you're a Summit member! Maximum loan to value is 80%. Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed). The minimum APR is 4.49% - 5.99% (Floor). Consult a tax adviser regarding tax deductibility of interest and fees. The maximum APR for a Personal Line of Credit is 18.00%. Simply submit your email address below and we’ll send you a message when this rate has changed. 2 Monthly payment is based on payment per $1,000 for term and rate shown above. Don’t hit the web or head to the lot until you answer these four questions. Rates subject to change but the APR will not vary above 15% APR. The rate without electronic payment and an established Summit checking account will be higher. Rates reflect a discount for electronic payments and an established Summit Credit Union checking account. Maximum loan amount is $399,999. Handi/Cash Loan. Closing costs range from $165-$313 unless appraisal or title insurance fees are required. We can approve your new or used car, truck or motorcycle loan online in minutes. When construction of the home is complete, the interim construction loan is paid off by a new permanent mortgage loan. Installment loan or single-payment note that is due at the certificate's maturity date. National Credit Union Administration, a U.S. Government Agency. *84-month term is for new purchases only. Contact a credit union loan officer at 785-776-3003 for more information. Vehicle insurance is required. The monthly payment for a $25,000 auto loan with a term of 60 months at 2.75% APR is $357.43. Apply Now Rates & Terms Smart Car Program Using the links below, enter the make, model and year of the car you want. Web CarBook (New Autos) NADA.com (Used Autos) New Auto Loan Special! The rate without electronic payment and established Summit checking will be higher. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. Prime Rate as of 03/15/2020 is 3.25%. A balloon payment may result. Find out how much you can afford to borrow based on your monthly payment, or find out your loan payment based on your purchase price. **Maximum cash back amount is $600 per loan. Loan Products Autos & Trucks. Should you lease your next automobile or finance it? Credit Unions typically have lower auto loan rates than banks. Summit Federal Credit Union has been serving their members with banking and financial services for over 60 years. Apply for an auto loan … 3 step plan to get behind the wheel. Membership: The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members. The maximum APR is 15%. Me2 maximum loan amount is $15,000. Membership eligibility required, NCUA insured. APR = Annual Percentage Rate Other rate discounts may apply. Prime Rate as of 03/15/2020 is 3.25% Your rate may vary based upon your creditworthiness and repayment option. The Prime Rate as of 03/15/2020 is 3.25%. Your rate may vary based on your creditworthiness and repayment option. Secure Home Banking 24 . Menu. The current offered rates 6 are: 15-Year Repayment Term: between 6.00% and 11.00% APR Real Estate & Commercial Construction Loans, Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater, Minimum $15 or 2.5% of the outstanding principal balance. Rates subject to change without notice. ; APR=Annual Percentage Rate. Take advantage of all of the valuable resources offered exclusively for Summit members, and find the right car at the right price. The VPR is subject to change monthly. Your actual variable periodic rate and floor rate will be based upon your credit worthiness and loan-to-value. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. To cover these potential losses it had $39,983,613 in net … Rate … The vehicle must be financed at Summit Federal Credit Union at the time of the Mechanical Breakdown Protection purchase. The charge for an appraisal is typically $410-$485. The Annual Percentage Rate (APR) for our student loan refinance program is fixed 5 for the life of the loan. See the latest savings and loan rates from Wasatch Peaks Credit Union. Receive useful tips and articles right in your inbox, and be the first to know about new promotions, events and products at Summit. For home equity lines of credit: Rate is variable rate of Prime rate as published in the Wall Street Journal plus a margin ranging from 0% to 2.5%, and will never fall below the floor rate of 4.00% and will never exceed 18.00%. Rates reflect a discount for electronic payments and an established Summit Credit Union checking account. To get an affordable, fixed-rate auto loan from ESL, both the borrower and co-borrower must be ESL members and at least one must be 18 years of age. This recommended guideline is dependent on member/collateral. The leading provider of indirect lending and point-of-sale services for the credit union industry and creator of the Credit Union Direct Lending (CUDL) program. Minimum loan amount for an Overdraft Protection Line of Credit is $100. Terms and conditions apply. The Variable Periodic Rate is Prime Rate as published in the Wall Street Journal plus a margin. Credit Unions typically have lower auto loan rates than banks. Rates subject to credit evaluation. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. Here’s a roundup of some of the top credit union loans for cars — offering the lowest auto financing rates, the best terms, the best credit union auto loan rates and the overall best auto loans to its members. The Summit is an Equal Housing Lender. Lock-in feature allows up to five fixed rate amounts at any one time. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. As of March 30, 2020, Summit had $1,950,757 in non-current loans and $28,000 in owned assets. Minimum credit score of 651 or more to qualify for promotion rate. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The credit union does offer credit cards to members. Margins range from 4.00% to -0.50%. Summit Credit Union offers competitive RATES for all its savings and loan options! Margins range from 5.50% to 0.50%. By accessing this link you will be leaving The Summit Federal Credit Union’s website and entering a website hosted by a third party vendor. The Summit has contracted with this third party vendor to provide you with certain services. All loan rates are fixed except the Home Equity Line of Credit. Monthly minimum periodic payments made during the end of draw repayment period may not fully amortize the remaining balance of the line of credit at the maturity of the 30-year mortgage. Actual approval rate determined by credit score, model year, term and underwriting. Member eligibility required. Fixed rate Mortgage Loans come in various terms such as 10, 15, 20 or 30 years. All loans subject to approval. Margins range from 4.00% to -0.50%.Your actual variable periodic rate and floor rate will be based upon your creditworthiness and loan-to-value. The Summit is an Equal Housing Lender. Existing Home Equity Lines of Credit limit must increase by a minimum of $5,000 to qualify for the introductory rate. Payment Example: $10,000 loan on a 2018 vehicle for a term of 36 months with a 1.99% APR, the monthly payment = $286.38. The APR may increase after loan closing if an electronic payment is discontinued. Rate Riser, IRA and Custodial Certificates are not eligible for a certificate secured loan. Click/tap here for COVID-19 update,12/15/2020. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, loan term, and collateral conditions. Minimum credit score of 651 or more to qualify for promotional rate. Click/tap here for COVID-19 update,11/13/2020. Watching rates? Prime Rate as of 03/15/2020 is 3.25%. Must be 18 years of age or older to apply. Milwaukee Shines maximum loan amount is $20,000. There also is a one-time $50 fee due at closing for refinancing of existing Summit Credit Union HELOCs. Minimum credit score of 651 or more to qualify for promotional rate. EARN 3.00% APY* ON GO CHECKING *APY = Annual Percentage Yield. Easy! So let's talk about your next car and check out our auto rates, together. The Summit is an Equal Housing Lender. The payments listed do not include amounts for taxes and insurance and if included the actual payment obligation will be greater because of these additional payments. It always pays to do your research, make a few decisions and figure out your financing before you set out to strike a deal on a new set of wheels. If you are using a screen reader and are having problems using this website, please call 608-243-5000 for assistance. *Annual Percentage Rate may vary based on your personal credit history. Automobile Loans Up to 100% financing is available, whether you’re looking for a new car or one with a few miles on it. Some rates listed are floor rates and are not subject to Member Loyalty Rewards, Loan to Value or credit … As a credit union-owned service organization, we develop custom applications, training and marketing programs to help participating credit unions serve their members’ auto buying needs. Plus, members with a Summit auto loan save an average of $214 a year.3. Home; Contact Us; Locations, Hours, & ATMs ; Greensboro Market St branch is temporarily closed for all services, including drive-thru and night deposit. Minimum fixed rate loan amount of $5,000 applies. Calculate the credit card payoff months or payment for your current card. The rate without electronic payment and established Summit checking will be higher. Credit Unions typically have lower auto loan rates than banks. After the 12-month introductory rate period the rate will revert to Prime Rate plus a margin and will never fall below the floor rate of 7.99%. The VPR is subject to change monthly. You’re probably feeling both excited and a bit nervous. When you find the one you want, just ask for ESL financing. Other promotional rates will apply for loan with a higher loan-to-value. To get more information, current rates, and to apply for a credit card, go to the website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Summit. Includes boats, RV’s , snowmobiles, personal watercraft and ATV’s. Minimum loan amount for a Personal Line of Credit is $1,000. Payments reflect principal and interest only. The Prime Rate as of 03/15/2020 is 3.25%. View the great selection of new and used vehicles our Auto Buying Service has to offer. The charge for an appraisal is typically $410-$485. You could save hundreds, even thousands, of dollars. *Rates and terms are subject to credit approval and restrictions or requirements. The latest national averages for a New 60 month car loan has credit unions at 2.74% and banks at 4.89%. Minimum loan amount is $1,000. Existing Home Equity Lines of Credit limit must increase by a minimum of $5,000 to qualify for the introductory rate. Home; Contact Us; Locations, Hours, & ATMs; Greensboro Market St branch is temporarily closed for all services, including drive-thru and deposit. Fixed-rate loan; $1,500 maximum; Terms up to 10-months Vacation Loan terms from April 1 through August 31; Holiday Loan terms from October 1 through January 31 ; Let our loan professionals help you choose the loan that's right for you. The premium can be financed with the vehicle loan. The Prime Rate as of 03/15/2020 is 3.25%. The charge for title insurance is typically $350. The minimum APR is 7.99% (Floor). The rate without electronic payment and an established Summit checking account will be higher. Intro rate shown are for homeowners with 80% loan-to-value. 2 Monthly payment amount is based on payment per $1,000 for term and rate shown above. Margins range from 5.50% to 0.50%. Save time and money by getting a jump on your next vehicle purchase with tools, like our car buying budget worksheet. This service helps you find the ideal model, make, color, options, or price you're looking for. With Sweet 16 comes big responsibility. A balloon payment may result. The Credit Union is not responsible for any such third-party content. Loan Rates; Loan Type: Annual Percentage Rate (APR) Terms: Cars & Trucks (New and Used) As low as 3.24% (up to 66 mo.) Other terms available; †72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount. Rates effective December 14, 2020. 3 VPR is Variable Periodic Rate. Other programs/options are available. 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