Credit union · NCUA insured
First NRV Federal Credit Union Auto Loan Rates
First NRV Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How First NRV Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Blacksburg, VA, where First NRV Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First NRV Federal Credit Union
5.99%APR
- Terms
- —
New & Used Auto Loans
Lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
2nd-lowest rate
Celco Community Credit Union
4.99%APR
- Terms
- up to 78 months
First NRV Federal Credit Union 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 First NRV Federal 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 & Used Auto Loans
Subject to credit approval. Rates are based on credit score, credit history, loan term, and underwriting factors. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Rate is 'as low as' 5.99% APR. Rates are dependent on credit score, credit history, loan term, and underwriting factors. Subject to credit approval. |
Sources (1)
- firstnrvcreditunion.com/car-loans · captured Oct 7, 2026
Who can join First NRV Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Carroll County, Floyd County, Galax City, Pulaski County, Radford City, or Wythe County are eligible for membership.
Employers and groups
- Individuals who work for or own a business and/or other legal entities within one or more of the fields of membership are eligible to join.
Family and household
- Members of the immediate families or household of any eligible groups are eligible to join.
- Spouses of deceased individuals who were within the fields of membership of the credit union are eligible to join.
Other ways
- Organizations of persons who fall into the credit union's membership field through the qualifying requirements are eligible for membership.
Cost to join
- A $5.00 BluePay transaction fee applies when sending funds online.
- There is a $5.00 Membership Fee, which is waived for accounts opened online.
- Members must maintain a $5.00 minimum balance in their Membership Savings Account and keep the account active.
Membership information collected October 4, 2026.