Credit union · NCUA insured
Dominion Energy Credit Union Auto Loan Rates
Dominion Energy Credit Union auto loans start at 5.00% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Dominion Energy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Dominion Energy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dominion Energy Credit Union
5.00%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New and Used Vehicle Loan
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
Dominion Energy Credit Union auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dominion Energy 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 and Used Vehicle Loan
Membership required. Same rates for new, used, and refinanced vehicles. Includes a 0.25% APR discount for repayment by payroll deduction or automatic transfer from a DECU account. Option for up to 60 days with no payments. Vehicles 20+ years old subject to different rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications. Vehicles 20+ years old subject to different rates. |
| up to 48 months | 4.50% | Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications. Vehicles 20+ years old subject to different rates. |
| 60–66 months | 4.50% | Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications. Vehicles 20+ years old subject to different rates. |
| up to 72 months | 4.75% | Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications. Vehicles 20+ years old subject to different rates. |
| up to 84 months | 5.00% | New vehicles only. Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications. |
Sources (2)
All captured Oct 15, 2026
Who can join Dominion Energy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, or contractors of Dominion Energy, or any of its subsidiaries, are eligible for membership.
Family and household
- Household members (persons living in the same residence) and immediate family members (children, grandchildren, grandparents, parents, siblings, and spouse, regardless of place of residence) of a current member are eligible for membership.
Cost to join
- Opening an account requires making a $5 deposit or signing up for payroll deduction.
Membership information collected October 4, 2026.