Credit union · NCUA insured
1st Advantage Federal Credit Union Auto Loan Rates
1st Advantage Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How 1st Advantage Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where 1st Advantage Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
1st Advantage Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loans (Models 2024 and Newer)
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
- Discount
- None included
1st Advantage Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Advantage 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 & Used Auto Loan Refinance
New & Used Auto Loan Refinance. Listed Auto Loan rates include 0.25% discount with autopay setup and 0.50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. Rate based on creditworthiness and term of loan. Minimum financed amount and minimum monthly payment required. Existing 1st Advantage loans not eligible for promotional refinance offers. Minimum refinance loan amount $5,000 for promotional tiers. Maximum interest rate 17.95%.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Limited time offer. Vehicle model years 2023 or newer. Minimum credit score of 640 required; assumes excellent credit. Existing 1st Advantage loans not eligible. Minimum refinance loan amount $5,000. Maximum interest rate 17.95%. |
| up to 60 months | 4.49% | Listed Auto Loan rates include 0.25% discount with autopay setup and 0.50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. |
| up to 60 months | 5.24% | Limited time offer. Vehicle model years 2020-2022. Minimum credit score of 640 required; assumes excellent credit. Existing 1st Advantage loans not eligible. Minimum refinance loan amount $5,000. Maximum interest rate 17.95%. |
| up to 66 months | 4.74% | Listed Auto Loan rates include 0.25% discount with autopay setup and 0.50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. |
| up to 75 months | 4.75% | Limited time offer. Vehicle model years 2023 or newer. Minimum credit score of 640 required; assumes excellent credit. Existing 1st Advantage loans not eligible. Minimum refinance loan amount $5,000. Maximum interest rate 17.95%. |
| up to 84 months | 5.99% | Listed Auto Loan rates include 0.25% discount with autopay setup and 0.50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. |
| up to 96 months | 9.74% | Listed Auto Loan rates include 0.25% discount with autopay setup and 0.50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. |
Sources (1)
- 1stadvantage.org/personal/auto-loans/refinance · captured Oct 22, 2026
New Auto Loans (Models 2024 and Newer)
Models 2024 and newer. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Rate based on creditworthiness and term of loan. Minimum financed amount and minimum monthly payment required. Mileage and condition of collateral will be considered.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
| up to 60 months | 4.99% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
| up to 66 months | 5.24% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
| up to 75 months | 5.24% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
| up to 84 months | 6.24% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
| up to 96 months | 9.99% | Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. |
Sources (1)
- 1stadvantage.org/personal/auto-loans/new-car · captured Oct 22, 2026
Used Auto Loans
Rate based on creditworthiness, loan term, and model year. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Minimum financed amount and minimum monthly payment required. Mileage and collateral condition considered.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Rate as low as. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Rate depends on model year. |
| up to 60 months | 4.99% | Rate as low as. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Rate depends on model year. |
| up to 66 months | 5.24% | Rate as low as. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Rate depends on model year. |
| up to 75 months | 5.24% | Rate as low as. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Rate depends on model year. |
| up to 84 months | 6.24% | Rate as low as. Listed Auto Loan rates include 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Rate depends on model year. |
Sources (1)
- 1stadvantage.org/personal/auto-loans/used-car · captured Oct 22, 2026
Who can join 1st Advantage Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in specified cities (Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, Williamsburg) and counties (Currituck NC, Gates NC, Gloucester VA, Isle of Wight VA, James City VA, Mathews VA, York VA).
Family and household
- Membership is open to any immediate family members of current 1st Advantage members.
Cost to join
- Deposit at least $5 into a Savings Account to secure membership for life.
Membership information collected October 4, 2026.