Credit union · NCUA insured
Credit Union of Richmond Auto Loan Rates
Credit Union of Richmond auto loans start at 3.74% APR for a new vehicle and 4.24% for a used one. Rates checked October 22, 2026.
How Credit Union of Richmond’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Credit Union of Richmond has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
New Auto Loan
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
3rd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
Credit Union of Richmond auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.74%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union of Richmond 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 Loan Refinance
Terms up to 84 months. Financing available up to 125% for qualified borrowers. Application fee is applicable. Maximum rate reduction discount of 1.50% APR included in lowest rates. Auto refinances are excluded from down payment rate reduction discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Used Auto Purchase and Refinance (2023-2027), term 0-48 months. The listed APR reflects used auto purchase/refinance, top-tier credit, and maximum rate reduction discount of 1.50% APR. |
| 49–60 months | 4.24% | Used Auto Purchase and Refinance (2023-2027), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR. |
| 61–66 months | 4.74% | Used Auto Purchase and Refinance (2023-2027), term 61-66 months. Includes maximum rate reduction discount of 1.50% APR. |
| 72–77 months | 5.24% | Used Auto Purchase and Refinance (2023-2027), term 72-77 months. Includes maximum rate reduction discount of 1.50% APR. |
| 73–78 months | 5.74% | Used Auto Purchase and Refinance (2023-2027), term 73-78 months. Includes maximum rate reduction discount of 1.50% APR. |
| 79–84 months | 6.24% | Used Auto Purchase and Refinance (2023-2027), term 79-84 months. Includes maximum rate reduction discount of 1.50% APR. |
| up to 48 months | 4.49% | Used Auto Purchase and Refinance (2022 and older), term 0-48 months. Includes maximum rate reduction discount of 1.50% APR. |
| 49–60 months | 4.74% | Used Auto Purchase and Refinance (2022 and older), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR. |
| 61–66 months | 5.24% | Used Auto Purchase and Refinance (2022 and older), term 61-66 months. Includes maximum rate reduction discount of 1.50% APR. |
| 67–72 months | 5.74% | Used Auto Purchase and Refinance (2022 and older), term 67-72 months. Includes maximum rate reduction discount of 1.50% APR. |
New Auto Loan
Terms up to 84 months. Financing available up to 125% for qualified borrowers. Application fee is applicable. New Autos defined as brand-new automobiles that have never before been titled to a private owner. Maximum rate reduction discount of 1.50% APR included in lowest rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.49% | New Auto Purchase (Never Titled), term 0-48 months. The listed APR reflects a new auto purchase, top-tier credit, and maximum rate reduction discount of 1.50% APR. |
| 49–60 months | 3.74% | New Auto Purchase (Never Titled), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR. |
| 61–66 months | 4.24% | New Auto Purchase (Never Titled), term 61-66 months. Includes maximum rate reduction discount of 1.50% APR. |
| 67–72 months | 4.74% | New Auto Purchase (Never Titled), term 67-72 months. Includes maximum rate reduction discount of 1.50% APR. |
| 73–78 months | 5.24% | New Auto Purchase (Never Titled), term 73-78 months. Includes maximum rate reduction discount of 1.50% APR. |
| 79–84 months | 5.74% | New Auto Purchase (Never Titled), term 79-84 months. Includes maximum rate reduction discount of 1.50% APR. |
Sources (3)
All captured Oct 22, 2026
Used Auto Loan
Terms up to 84 months. Financing available up to 125% for qualified borrowers. Application fee is applicable. Maximum rate reduction discount of 1.50% APR included in lowest rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Used Auto Purchase and Refinance (2023-2027), term 0-48 months. The listed APR reflects used auto purchase, top-tier credit, and maximum rate reduction discount of 1.50% APR. |
| 49–60 months | 4.24% | Used Auto Purchase and Refinance (2023-2027), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR. |
| 61–66 months | 4.74% | Used Auto Purchase and Refinance (2023-2027), term 61-66 months. Includes maximum rate reduction discount of 1.50% APR. |
| 72–77 months | 5.24% | Used Auto Purchase and Refinance (2023-2027), term 72-77 months. Includes maximum rate reduction discount of 1.50% APR. |
| 73–78 months | 5.74% | Used Auto Purchase and Refinance (2023-2027), term 73-78 months. Includes maximum rate reduction discount of 1.50% APR. |
| 79–84 months | 6.24% | Used Auto Purchase and Refinance (2023-2027), term 79-84 months. Includes maximum rate reduction discount of 1.50% APR. |
| up to 48 months | 4.49% | Used Auto Purchase and Refinance (2022 and older), term 0-48 months. Includes maximum rate reduction discount of 1.50% APR. |
| 49–60 months | 4.74% | Used Auto Purchase and Refinance (2022 and older), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR. |
| 61–66 months | 5.24% | Used Auto Purchase and Refinance (2022 and older), term 61-66 months. Includes maximum rate reduction discount of 1.50% APR. |
| 67–72 months | 5.74% | Used Auto Purchase and Refinance (2022 and older), term 67-72 months. Includes maximum rate reduction discount of 1.50% APR. |
Who can join Credit Union of Richmond
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