Credit union · NCUA insured
Connects FCU Auto Loan Rates
Connects FCU auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Connects FCU’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Connects FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Connects FCU
5.99%APR
- Terms
- —
- Discount
- None included
Auto Loans
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Connects FCU auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Connects FCU 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 for new and used cars with up to 130% financing available for qualified members. Pre-approvals available. 130% financing is available for qualified members. Loans subject to credit criteria.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99%–18.00% | Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors. |
| — | 5.99% | Promotional as low as rate. |
Who can join Connects FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, volunteers, or regularly conducts business in the Greater Richmond Community (City of Richmond, Chesterfield County, Hanover County, or Henrico County) is eligible to join.
Employers and groups
- Employees of companies in the Greater Richmond area that offer Connects FCU as a company benefit are eligible for membership privileges.
Family and household
- Immediate family members of current members are eligible to join.
Cost to join
- Opening a share account requires a minimum initial deposit of $5.00.
Membership information collected October 4, 2026.