Credit union · NCUA insured
INOVA Federal Credit Union Auto Loan Rates
INOVA Federal Credit Union auto loans start at 5.46% APR for a new vehicle and 5.46% for a used one. Rates checked October 15, 2026.
How INOVA Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Elkhart, IN, where INOVA Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
INOVA Federal Credit Union
5.46%APR
- Terms
- 49–60 months
New Vehicle Purchase Rates (2026)
Lowest rate
Everence
4.74%APR
- Terms
- up to 60 months
2nd-lowest rate
Chiphone Federal Credit Union
5.24%APR
- Terms
- up to 84 months
INOVA Federal Credit Union auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.46%
- Used vehicleUsed5.46%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where INOVA 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 Motorcycles
Loan to value and credit restrictions apply. Rates subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.71% | 60 months or less. |
| 61–66 months | 6.94% | 61 - 66 months. |
| 67–72 months | 7.18% | 67 - 72 months. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
New Vehicle Purchase Rates (2026)
2026-2025 vehicles will only be considered new if it has never been titled or if purchased in the last 45 days and has less than 7,500 miles. Loan to Value and credit restrictions apply. Rates subject to credit approval. Up to 125% financing for purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.33% | 36 months or less. |
| 37–48 months | 5.26% | 37-48 months. |
| 49–60 months | 5.46% | 49 - 60 months. |
| 61–72 months | 5.68% | 61 - 72 months. |
| 73–84 months | 6.15% | 73-84 Month Term Requires Minimum $25,000.00 Loan Amount. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
Used Motorcycles
60 months or less. Loan to value and credit restrictions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.71% | 60 months or less. Loan to value and credit restrictions apply. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
Used Vehicle Purchase Rates (2017 and older)
Loan to Value and credit restrictions apply. Used Vehicles 2016 and older have a maximum term of 60 months. Rates subject to credit approval. Up to 125% financing for purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.50% | 48 months or less. |
| 49–60 months | 6.70% | 49 - 60 months. Used Vehicles 2016 and older have a maximum term of 60 months. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
Used Vehicle Purchase Rates (2020 - 2018)
Loan to Value and credit restrictions apply. Rates subject to credit approval. Up to 125% financing for purchase. Terms over 61 months require $15,000 minimum loan amount, and vehicle must be 2017 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.59% | 36 months or less. |
| 37–48 months | 5.76% | 37-48 months. |
| 49–60 months | 5.96% | 49 - 60 months. |
| 61–72 months | 6.18% | Terms over 61 months require $15,000 minimum loan amount, and vehicle must be 2017 or newer. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
Used Vehicle Purchase Rates (2026 - 2021)
Loan to Value and credit restrictions apply. Rates subject to credit approval. Up to 125% financing for purchase. Terms over 72 months require $25,000 minimum loan amount, and vehicle must be 2020 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.33% | 36 months or less. |
| 37–48 months | 5.26% | 37-48 months. |
| 49–60 months | 5.46% | 49 - 60 months. |
| 61–72 months | 5.68% | 61 - 72 months. |
| 73–84 months | 6.15% | Terms over 72 months require $25,000 minimum loan amount, and vehicle must be 2020 or newer. |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 15, 2026
Who can join INOVA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.