Credit union · NCUA insured
Romney Federal Credit Union Auto Loan Rates
Romney Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Romney Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Winchester, VA-WV, where Romney Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Romney Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Discount
- None included
3rd-lowest rate
Apple FCU
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Romney Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.24%
- 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 Romney 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 Auto
Minimum credit score of 630 required. Rates determined by risk-based lending policy based on credit risk, vehicle year, term, amount financed, and required down payment. Collateral protection insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.49% | Model years 2026-2025. Rate as low as 3.49% APR. |
| up to 48 months | 3.49% | Model years 2026-2025. Rate as low as 3.49% APR. |
| up to 60 months | 4.24% | Model years 2026-2025. Rate as low as 4.24% APR. |
| up to 72 months | 4.49% | Model years 2026-2025. Rate as low as 4.49% APR. |
| up to 84 months | 5.24% | Model years 2026-2025. Rate as low as 5.24% APR. |
Sources (4)
All captured Oct 7, 2026
Used Auto
Minimum credit score of 630 required. Rates determined by risk-based lending policy based on credit risk, vehicle year, term, amount financed, and required down payment. Collateral protection insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Model years 2025-2023. Rate as low as 3.74% APR. |
| up to 48 months | 4.49% | Model years 2025-2023. Rate as low as 4.49% APR. |
| up to 60 months | 4.99% | Model years 2025-2023. Rate as low as 4.99% APR. |
| up to 72 months | 4.99% | Model years 2025-2023. Rate as low as 4.99% APR. |
| up to 84 months | 5.49% | Model years 2025-2023. Rate as low as 5.49% APR. |
| up to 72 months | 5.49% | Model years 2022-2018. Rate as low as 5.49% APR. |
| up to 84 months | 6.20% | Model years 2022-2018. Rate as low as 6.20% APR. |
| up to 48 months | 5.99% | Model years 2017-2015. Rate as low as 5.99% APR. |
| up to 60 months | 6.24% | Model years 2017-2015. Rate as low as 6.24% APR. |
| up to 72 months | 6.49% | Model years 2017-2015. Rate as low as 6.49% APR. |
| up to 84 months | 6.99% | Model years 2017-2015. Rate as low as 6.99% APR. |
| up to 48 months | 7.99% | Model year 2014 and older. Rate as low as 7.99% APR. |
| up to 60 months | 8.24% | Model year 2014 and older. Rate as low as 8.24% APR. |
Sources (4)
All captured Oct 7, 2026
Who can join Romney Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.