Credit union · NCUA insured
Homebase Credit Union Auto Loan Rates
Homebase Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Homebase Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Homebase Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Homebase Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 17.49% APR
- Discount
- None included
Vehicle Loan
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Homebase Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Homebase 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.
Motorcycle Loan
New or Used Motorcycle Loans. Credit qualifications apply. 6.24% APR is applicable on Motorcycles with a 10% down payment and terms up to 48 months. Terms up to 72 months available depending on model, mileage, and amount borrowed. Membership required (open to those who live or work in specified Virginia localities; $1 non-refundable fee plus $25 refundable share deposit).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.24%–12.99% | New or Used Motorcycle Loans: 6.24% APR is applicable on Motorcycles with a 10% down payment and terms up to 48 months. Terms up to 72 months available depending on model, mileage, and amount borrowed. Credit qualifications apply. |
Sources (1)
- homebasecu.org/loans/auto/vehicle-loan-rates · captured Oct 15, 2026
Vehicle Loan
Membership required (open to those who live or work in specified Virginia localities; $1 non-refundable fee plus $25 refundable share deposit). Rates and terms depend on credit qualifications, model, mileage, and amount borrowed. Includes current and previous year models under 20,000 miles for new vehicles, and vehicles up to 8 model years old with under 125,000 miles for used vehicles. Financing available up to 100% (MSRP/NADA) plus tax, title, warranty, GAP up to 125%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–17.49% | New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 60 months. |
| up to 72 months | 5.24%–17.49% | New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 72 months. |
| up to 78 months | 5.49%–17.49% | New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 78 months. |
| up to 84 months | 5.74%–17.49% | New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 84 months. |
Sources (1)
- homebasecu.org/loans/auto · captured Oct 15, 2026
Who can join Homebase Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in designated Virginia counties and cities.
Employers and groups
- Companies and other legal entities in the eligible counties can join.
Military, government and schools
- Employees of the credit union are eligible to join.
Family and household
- Spouses of persons who died while within the credit union's field of membership are eligible to join.
- Immediate family relations of current members are eligible to join.
Other ways
- Organizations within the eligible localities can join.
1 more way to join
Other ways
- Volunteers within the eligible localities can join.
Cost to join
- New membership requires a $25 savings deposit that is refundable upon account closing.
- New membership requires a $1 non-refundable membership fee.
Membership information collected October 4, 2026.