Credit union · NCUA insured
RVA Financial Auto Loan Rates
Top CarrotRVA Financial auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How RVA Financial’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where RVA Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
RVA Financial
4.49%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Car Loan
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
RVA Financial auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RVA Financial 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.
Car Loan
Financing for model year 2014 or newer. Vehicle value is based on MSRP or an approved source. Subject to credit and collateral approval. Minimum and maximum loan amounts apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Rates as low as 4.49% APR assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount): 0.50% discount for an approved automated payment method, 0.50% discount for loan-to-value (LTV) that is 100% or less, and 0.50% Loyalty discount for members who have had a loan with us within the last five years or membership history of 10+ years. Repayment terms up to 84 months for vehicle model year 2014 or newer. |
Who can join RVA Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of American Consumer Council are eligible for membership.
Military, government and schools
- Employees of the Capital Region Airport Commission are eligible for membership.
- Employees of the City of Richmond, VA are eligible for membership.
- Employees of the Richmond Redevelopment & Housing Authority who work in Richmond, VA are eligible for membership.
- Employees of the Richmond School Board in Richmond, VA are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.