Credit union · NCUA insured
Roanoke Valley Community CU Auto Loan Rates
Roanoke Valley Community CU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Roanoke Valley Community CU’s auto loan rates compare
Compared with banks and credit unions near Roanoke, VA, where Roanoke Valley Community CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Roanoke Valley Community CU
4.99%APR
- Terms
- 60–96 months
- Up to
- 14.99% APR
Vehicle Loans
Lowest rate
Kemba Roanoke FCU
4.24%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
- Up to
- —
Roanoke Valley Community CU 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 Roanoke Valley Community CU 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.
Vehicle Loans
Financing up to 135% of Black Book Value. No application fees and no prepayment penalties. Automatic payments available via savings/checking or payroll deduction. Rate discounts available for loyal members: -0.25% for existing active checking account (open 6 months with at least 6 transactions/month) and -0.25% for active RVCCU credit card with a balance. Optional no payment for up to 90 days (finance charges continue to accrue). Membership required upon loan approval. Rates based on creditworthiness, loan amount, and term. OMG campaign offers 2.00% off auto loans with a floor rate of 4.49% APR (does not apply to current RVCCU auto loans).
| Terms | APR | Conditions |
|---|---|---|
| 60–96 months | 4.99%–14.99% | Model Year 2023 - current (all vehicle types). |
| 60–84 months | 5.49%–15.74% | Model Year 2022 - 2021 (all vehicle types). |
| 60–72 months | 5.99%–15.99% | Model Year 2020 - 2019 (all vehicle types). |
| 48–66 months | 6.24%–16.24% | Model Year 2018 - 2017 (all vehicle types). |
| 36–60 months | 6.49%–16.49% | Model Year 2016 - 2015 (all vehicle types). |
| 36–48 months | 7.49%–17.99% | Model Year 2014 and older (all vehicle types). |
Who can join Roanoke Valley Community CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
- Individuals who work anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Military, government and schools
- Individuals who go to school anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Family and household
- Immediate relatives of an existing RVCCU member are eligible for membership.
- Household members of an existing RVCCU member are eligible for membership.
Other ways
- Individuals who worship anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Membership information collected October 4, 2026.