Credit union · NCUA insured
Central Virginia Federal Credit Union Auto Loan Rates
Central Virginia Federal Credit Union auto loan rates start at 2.99% APR. Rates checked October 22, 2026.
How Central Virginia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lynchburg, VA, where Central Virginia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Virginia Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Kemba Roanoke FCU
4.24%APR
- Terms
- —
- Discount
- None included
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 Auto Loan
Up to 125% financing for qualified borrowers. There are no application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.99% | Model year 2025 & newer. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 48 months | 3.99% | Model year 2025 & newer. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 66 months | 4.99% | Model year 2025 & newer. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 75 months | 5.49% | Model year 2025 & newer. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 84 months | 5.99% | Model year 2025 & newer. Promotional rate; online application and automatic payment discounts do not apply. |
Sources (2)
All captured Oct 22, 2026
Used Auto Loan
Up to 125% financing for qualified borrowers. There are no application fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.99% | Model year 2020-2025. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 48 months | 3.99% | Model year 2020-2025. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 66 months | 4.99% | Model year 2020-2025. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 75 months | 5.49% | Model year 2020-2025. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 84 months | 5.99% | Model year 2020-2025. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 36 months | 3.99% | Model year 2016-2019. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 48 months | 4.99% | Model year 2016-2019. Promotional rate; online application and automatic payment discounts do not apply. |
| up to 60 months | 5.99% | Model year 2016-2019. Promotional rate; online application and automatic payment discounts do not apply. |
Sources (2)
All captured Oct 22, 2026
Who can join Central Virginia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Students, staff, and faculty of the University of Lynchburg are eligible for membership.
Cost to join
- There is a one-time $5 membership fee.
- A minimum balance of $5 in a savings account per person is required.
Membership information collected October 4, 2026.