Credit union · NCUA insured
Henrico Federal Credit Union Auto Loan Rates
Top CarrotHenrico Federal Credit Union auto loans start at 4.84% APR for a new vehicle and 4.84% for a used one. Rates checked October 7, 2026.
How Henrico Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Henrico Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Henrico Federal Credit Union
4.84%APR
- Terms
- 49–63 months
- Discount
- None included
New 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
Henrico Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Henrico 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 Auto Loans
Membership eligibility required. Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.34% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 37–48 months | 4.34% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 49–63 months | 4.84% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 64–75 months | 5.09% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 76–84 months | 6.09% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 85–96 months | 7.09% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
Sources (1)
- henricofcu.org/Rates/Loan-Rates · captured Sep 19, 2026
Used Auto Loans
Membership eligibility required. Actual rate will vary depending on applicant's credit ratings and length of loan term. Purchase money rates listed; for non-purchase money loans, add an additional 2.00% APR. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.34% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 37–48 months | 4.34% | Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 49–63 months | 4.84% | Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR. Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 64–75 months | 5.09% | Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR. Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
| 76–84 months | 6.09% | Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR. Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount. |
Sources (1)
- henricofcu.org/Rates/Loan-Rates · captured Sep 19, 2026
Who can join Henrico Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.