Credit union · NCUA insured
SalemVA Credit Union Auto Loan Rates
Top CarrotSalemVA Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How SalemVA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Roanoke, VA, where SalemVA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SalemVA Credit Union
4.75%APR
- Terms
- —
Auto Loans
Lowest rate
Kemba Roanoke FCU
4.24%APR
- Terms
- —
2nd-lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
SalemVA Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SalemVA 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
| Terms | APR | Conditions |
|---|---|---|
| — | 4.75% | New or used vehicles. Based on creditworthiness and auto draft from SVACU account. |
| up to 48 months | 5.25%–16.00% | Automobiles up to 5 years old. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| 49–60 months | 5.25%–16.00% | Automobiles up to 5 years old. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| 61–72 months | 5.25%–16.50% | Automobiles up to 5 years old. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| 73–84 months | 5.25%–17.50% | Automobiles up to 5 years old. Requires minimum loan of $15,000. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| up to 48 months | 5.25%–17.00% | 6 year old vehicles. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| 49–60 months | 5.25%–17.25% | 6 year old vehicles. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
| up to 48 months | 5.25%–17.75% | 7 year old vehicles. 0.25% discount available with automatic payment from SVACU checking or savings. Rate based on creditworthiness, term, and collateral value. |
Sources (4)
All captured Oct 4, 2026
Who can join SalemVA Credit Union
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, work, or worship in the cities of Salem, Roanoke, town of Vinton, or Roanoke County are eligible to join Salem VA Credit Union.
Cost to join
- Membership requires an initial $5 deposit for a share as a credit union member/owner.
Membership information collected October 4, 2026.