Credit union · Privately insured
River Valley Credit Union Auto Loan Rates
Top CarrotRiver Valley Credit Union auto loans start at 6.05% APR for a new vehicle and 6.05% for a used one. Rates checked October 16, 2026.
How River Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dayton, OH, where River Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
River Valley Credit Union
6.05%APR
- Terms
- up to 63 months
- Up to
- —
Auto Loans
Lowest rate
Universal 1 Credit Union
4.54%APR
- Terms
- up to 63 months
- Up to
- 14.06% APR
2nd-lowest rate
Wright-Patt Credit Union
4.99%APR
- Terms
- up to 63 months
- Up to
- 15.44% APR
River Valley Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew6.05%
- Used vehicleUsed6.05%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where River Valley 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.
Auto Loans
Membership required (must live, work, worship, or attend school in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties in Ohio, or be related to an existing member). Optional Relationship Reward program offers an annualized 1.00% loan balance credit with qualifying direct deposit ($1,000+) and automatic loan payment transfer from checking, plus an additional 0.50% bonus reward with an active credit card.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.41% | For model year 2023 & newer vehicles. Rate is as low as stated and subject to credit approval; sample payment calculation based on $20,000 loan amount with $125 processing fee. |
| up to 63 months | 6.05% | For model year 2022 & older vehicles. Rate is as low as stated and subject to credit approval; sample payment calculation based on $20,000 loan amount with $125 processing fee. |
Sources (3)
All captured Oct 16, 2026
Who can join River Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble, or Warren Counties.
Membership information collected October 5, 2026.