Credit union · NCUA insured
Augusta County Federal Credit Union Auto Loan Rates
Augusta County Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Augusta County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Staunton, VA, where Augusta County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Augusta County Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicles
Lowest rate
Augusta Health Care Credit Union
4.50%APR
- Terms
- 36–60 months
- Up to
- 10.25% APR
2nd-lowest rate
DuPont Community Credit Union
5.19%APR
- Terms
- 49–60 months
- Up to
- 13.89% APR
Augusta County Federal Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Augusta County 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 Vehicles
Title held as collateral. Loan shall not exceed $70,000; financed amount up to 90% of MSRP without GAP insurance (over 100% of vehicle's value with GAP insurance). Rates based on creditworthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | — |
| up to 48 months | 4.99% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.75% | Minimum loan value of $15,000 required to qualify for 72-month rate. |
| up to 84 months | 6.25% | Minimum loan value of $20,000 required to qualify for 84-month rate. |
Used Vehicles
Title held as collateral. Loan shall not exceed $70,000; financed amount up to 90% of NADA without GAP insurance (over 100% of vehicle's value with GAP insurance). Rates based on creditworthiness and term. Vehicle must not be over 8 years old to qualify for standard used vehicle rates. Older vehicles may be financed for a maximum of 3 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75% | Vehicle must not be over 8 years old. |
| up to 48 months | 5.50% | Vehicle must not be over 8 years old. |
| up to 60 months | 5.75% | Vehicle must not be over 8 years old. |
| up to 72 months | 5.99% | Minimum loan value of $20,000 required, and vehicle age cannot surpass 2 years of current year. |
| up to 36 months | 8.75% | Applies to older vehicles (over 8 years old) financed for a maximum of three years. |
Who can join Augusta County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to all full-time and contract employees of the Augusta County Government Center.
- Membership is open to all full-time and contract employees of Middle River Regional Jail.
- Membership is open to all full-time and contract employees of Augusta County Schools.
- Membership is open to all full-time and contract employees of the Augusta County Sheriff’s Office.
- Membership is open to all full-time and contract employees of Shenandoah Valley Social Services.
- Membership is open to all full-time and contract employees of Augusta Water.
1 more way to join
Family and household
- Membership is open to immediate family members of current members.
Cost to join
- Joining requires completing a membership application and making an initial deposit of $5.00.
Membership information collected October 4, 2026.