Credit union · NCUA insured
Celco Community Credit Union Auto Loan Rates
Celco Community Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 22, 2026.
How Celco Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Blacksburg, VA, where Celco Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Celco Community Credit Union
4.99%APR
- Terms
- up to 78 months
- Up to
- —
New Autos
Lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
- Up to
- —
3rd-lowest rate
Truliant Federal Credit Union
5.54%APR
- Terms
- 36–63 months
- Up to
- 16.74% APR
Celco Community Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Celco Community 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 ATVs
Celco Community Credit Union members are eligible to apply for loans. There is no penalty for early repayment (in part of in full) on any Credit Union loan. Loan rates subject to qualification; restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25% | Daily Periodic Rate is .0144. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
Sources (4)
All captured Oct 15, 2026
New Autos
Celco Community Credit Union members are eligible to apply for loans. There is no penalty for early repayment (in part of in full) on any Credit Union loan. Loan rates subject to qualification; restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Daily Periodic Rate is .0116. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 78 months | 4.99% | Daily Periodic Rate is .0137. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
Sources (5)
- celcofcu.org
- celcofcu.org/loans/eligibility
- celcofcu.org/loans/lending-policies
- celcofcu.org/loans/loan-types
- celcofcu.org/rates
All captured Oct 15, 2026
New Motorcycles
Celco Community Credit Union members are eligible to apply for loans. There is no penalty for early repayment (in part of in full) on any Credit Union loan. Loan rates subject to qualification; restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25% | Daily Periodic Rate is .0144. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
Sources (5)
- celcofcu.org
- celcofcu.org/loans/eligibility
- celcofcu.org/loans/lending-policies
- celcofcu.org/loans/loan-types
- celcofcu.org/rates
All captured Oct 15, 2026
Used Autos
Celco Community Credit Union members are eligible to apply for loans. There is no penalty for early repayment (in part of in full) on any Credit Union loan. Loan rates subject to qualification; restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.49% | Model Years 2025-2026. Daily Periodic Rate is .0150. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 60 months | 5.99% | Model Years 2023-2024. Daily Periodic Rate is .0164. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 60 months | 6.49% | Model Years 2021-2022. Daily Periodic Rate is .0178. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 48 months | 6.99% | Model Years 2012 - 2020. Daily Periodic Rate is .0192. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 36 months | 7.99% | Model Years 2002 - 2011. Daily Periodic Rate is .0219. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 24 months | 8.99% | Model Years 2001 and Older. Daily Periodic Rate is .0246. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 48 months | 7.99% | Classic/Collectible. Daily Periodic Rate is .0219. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
Sources (4)
- celcofcu.org/loans/eligibility
- celcofcu.org/loans/lending-policies
- celcofcu.org/loans/loan-types
- celcofcu.org/rates
All captured Oct 15, 2026
Used Motorcycles and ATVs
Celco Community Credit Union members are eligible to apply for loans. There is no penalty for early repayment (in part of in full) on any Credit Union loan. Loan rates subject to qualification; restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.75% | Model Years 2025 - 2026. Daily Periodic Rate is .0158. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 60 months | 6.25% | Model Years 2023 - 2024. Daily Periodic Rate is .0171. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 48 months | 6.75% | Model Years 2021 - 2022. Daily Periodic Rate is .0185. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 36 months | 7.25% | Model Years 2012 - 2020. Daily Periodic Rate is .0199. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
| up to 24 months | 7.75% | Model Years 2011 and Older. Daily Periodic Rate is .0212. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel. |
Sources (4)
- celcofcu.org/loans/eligibility
- celcofcu.org/loans/lending-policies
- celcofcu.org/loans/loan-types
- celcofcu.org/rates
All captured Oct 15, 2026
Who can join Celco Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Bland County (VA), Craig County (VA), Giles County (VA), Montgomery County (VA), Pulaski County (VA), Wythe County (VA), Radford City (VA), Mercer County (WV), Monroe County (WV), or Summers County (WV).
Family and household
- Eligibility is open to individuals with someone in their immediate family who has a current membership.
Cost to join
- Opening a Share (Savings) Account with at least $5.00 is required for membership.
Membership information collected October 4, 2026.