Credit union · NCUA insured
Baylands Family Credit Union Auto Loan Rates
Top CarrotBaylands Family Credit Union auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Baylands Family Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Baylands Family Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Baylands Family Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- 12.00% APR
- Discount
- None included
Auto Loans
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Baylands Family Credit Union auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baylands Family 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.
Auto Loans
Financing up to 100% of purchase. Enjoy an exclusive 0.25% APR in-branch BFCU Family bundle service discount. Rate based on creditworthiness. Vehicle value is based on MSRP or by a source approved by the credit union. Membership eligibility applies (persons living, working, worshiping, or attending school in specified Virginia counties, or immediate family members).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50%–12.00% | Vehicle Type: New. Approximate Term: Up to 84 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union. |
| up to 84 months | 5.00%–12.50% | Vehicle Type: 2026 – 2020. Approximate Term: Up to 84 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union. |
| up to 72 months | 6.00%–13.00% | Vehicle Type: 2019 and older. Approximate Term: Up to 72 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union. |
Who can join Baylands Family Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.