Credit union · NCUA insured
NAE FCU Auto Loan Rates
Top CarrotNAE FCU auto loans start at 4.39% APR for a new vehicle and 4.39% for a used one. Rates checked October 22, 2026.
How NAE FCU’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where NAE FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
NAE FCU
4.39%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
NAE FCU auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed4.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NAE 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.
Auto Loans
Membership eligibility applies (living, working, worshiping, volunteering, or attending school in the service area). Rates are risk-based starting rates based on creditworthiness, member relationships, age of vehicle, and whether or not it is an existing NAEFCU loan. An additional rate discount may be available when opening a Checking Account with Direct Deposit.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.39% | Model Year 2020 - Present. Rate is risk-based (as low as). |
| 61–66 months | 5.14% | Model Year 2020 - Present. Rate is risk-based (as low as). |
| 67–75 months | 5.24% | Model Year 2020 - Present. Rate is risk-based (as low as). |
| 76–84 months | 6.34% | Model Year 2020 - Present. Rate is risk-based (as low as). |
| up to 60 months | 6.04% | Model Year 2016 - 2019. Rate is risk-based (as low as). |
| 61–66 months | 6.14% | Model Year 2016 - 2019. Rate is risk-based (as low as). |
| 67–75 months | 6.24% | Model Year 2016 - 2019. Rate is risk-based (as low as). |
| 76–84 months | 7.34% | Model Year 2016 - 2019. Rate is risk-based (as low as). |
| up to 60 months | 6.54% | Model Year 2013 - 2015. Rate is risk-based (as low as). |
| 61–66 months | 6.64% | Model Year 2013 - 2015. Rate is risk-based (as low as). |
| 67–75 months | 6.74% | Model Year 2013 - 2015. Rate is risk-based (as low as). |
| 76–84 months | 7.84% | Model Year 2013 - 2015. Rate is risk-based (as low as). |
Sources (10)
- naefcu.org/car-loans-chesapeake
- naefcu.org/chesapeake-auto-loans
- naefcu.org
- naefcu.org/loans
- naefcu.org/auto-loans-in-norfolk
- naefcu.org/auto-loans-newport-news-va
- naefcu.org/rates
- naefcu.org/virginia-auto-loans
- naefcu.org/auto-loans-norfolk-va
- naefcu.org/auto-loans-virginia-beach
All captured Oct 7, 2026
Who can join NAE FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You qualify for NAE membership if you live, work, worship, volunteer, or attend school in, or are a business or other legal entity located in the Virginia Beach - Norfolk - Newport News, VA - NC Metropolitan Statistical Area.
Membership information collected October 4, 2026.