Credit union · NCUA insured
Alloy Federal Credit Union Auto Loan Rates
Alloy Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Alloy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Beckley, WV, where Alloy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alloy Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- 7.49% APR
All secured Loans (Autos,Boats, Motorcycles)
Lowest rate
Bayer Heritage Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 16.25% APR
3rd-lowest rate
Mountain Heritage Federal Credit Union
5.50%APR
- Terms
- —
- Up to
- —
Alloy Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alloy 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.
All secured Loans (Autos,Boats, Motorcycles)
Interest rates are based on your beacon score obtained on your credit report. Rates can be adjusted for age and loan to value (LTV) of vehicle. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75%–6.99% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
| up to 36 months | 4.75%–7.12% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
| up to 48 months | 4.75%–7.24% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
| up to 60 months | 4.75%–7.49% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
| up to 72 months | 4.75%–7.99% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
| up to 84 months | 7.70%–11.50% | Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA. |
Who can join Alloy Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.