Credit union · NCUA insured
Long Reach FCU Auto Loan Rates
Long Reach FCU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Long Reach FCU’s auto loan rates compare
Compared with banks and credit unions near Clarksburg, WV, where Long Reach FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Long Reach FCU
4.50%APR
- Terms
- up to 60 months
- Up to
- 11.25% APR
Secured Loans
Lowest rate
Chessie Federal Credit Union
4.24%APR
- Terms
- 49–60 months
- Up to
- —
2nd-lowest rate
Harrison County Federal Credit Union
4.25%APR
- Terms
- 60–72 months
- Up to
- —
Long Reach FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- 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 Long Reach FCU 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.
Secured Loans
Applies to New & Used Vehicles (also covers other recreational/farm collateral). Motor Homes, Campers & Farm Equipment eligible for terms up to 10 years at 100% of sticker price or NADA Book Value, with interest rate increasing by 0.25% for each year after 84 months. May receive a 0.25% discount if loan payment is payroll deduction or autopay.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
| up to 36 months | 3.99%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
| up to 48 months | 3.99%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
| up to 60 months | 4.50%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
| up to 72 months | 4.75%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
| up to 84 months | 5.50%–11.25% | Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay. |
Who can join Long Reach FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in, or any business or other legal entity in Pleasants, Tyler, Ritchie, and Doddridge counties is eligible for membership.
Employers and groups
- Employees of Select Employee Groups (SEGs) that have membership eligibility with Long Reach FCU qualify for membership.
Membership information collected October 4, 2026.