Credit union · NCUA insured
Chartway Credit Union Auto Loan Rates
Top CarrotChartway Credit Union auto loans start at 4.50% APR for a new vehicle. Rates checked October 22, 2026.
How Chartway Credit Union’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Chartway Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chartway Credit Union
4.50%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Car Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
- Discount
- None included
Chartway Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chartway 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.
Car Loans
Available for new or used vehicles. Rates shown not available in VA, NC, UT, NV, and TX. Rate shown with all applicable discounts. Available discounts include automatic payment: 0.25% APR; LTV < 90%: 0.25% APR; member loyalty discount: 0.25% APR; maximum discount 0.75% APR. Option for up to 90 days before first payment (interest accrues during deferral period; repayment obligation resumes; subject to creditworthiness). Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.40% | New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
| 49–60 months | 4.50% | New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
| 61–66 months | 4.75% | New 2026 (6,000 miles or less). Minimum loan amount $15,000. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
| 67–72 months | 4.75% | New 2026 (6,000 miles or less). Minimum loan amount $15,000. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
| 73–75 months | 5.14% | New 2026 (6,000 miles or less). Minimum loan amount $20,000. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
| 76–84 months | 5.84% | New 2026 (6,000 miles or less). Minimum loan amount $25,000. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX. |
Sources (2)
All captured Oct 15, 2026
Motorcycle Loan
As low as rates include applicable discounts (auto debit discount 0.25% APR, Member Loyalty discount 0.25% APR, and loan to value of less than 80% discount of 0.25% APR, maximum discount 0.50% APR). Rates subject to terms and creditworthiness. Payment does not include applicable taxes and insurance.
| Terms | APR | Conditions |
|---|---|---|
| up to 78 months | 5.40% | As low as rate for New Motorcycles. Term Up to 78 Months. Rate shown with all applicable discounts. |
| up to 78 months | 6.60% | As low as rate for Used Motorcycles. Term Up to 78 Months. Rate shown with all applicable discounts. |
Sources (1)
- chartway.com/personal/learn/rates/loan-rates.html · captured Oct 22, 2026
Who can join Chartway Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who (or whose family member) live, work, worship, or study in Chartway's primary markets (Virginia, Utah, Texas).
Employers and groups
- Membership is open to employees of partner Select Employer Groups (SEGs) and their families.
Family and household
- Membership is open to immediate family members of existing Chartway members, including parents, spouses, children, grandparents, and more.
- Membership is open to individuals living in the same household as a current member, including domestic partners and roommates.
Other ways
- Membership is open to individuals who make a $10 donation to the Chartway Promise Foundation.
Cost to join
- Joining via the Chartway Promise Foundation requires a $10 donation.
Membership information collected October 4, 2026.