Credit union · NCUA insured
UVA Community Credit Union Auto Loan Rates
UVA Community Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How UVA Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlottesville, VA, where UVA Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UVA Community Credit Union
5.74%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loans
Lowest rate
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Bank of America
5.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
UVA Community Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UVA Community 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
Financing for new and used cars, pickups, vans and SUVs. Up to 100% financing for vehicles 10 years old or newer. Max allowed mileage not to exceed 125,000. Non-commercial vehicles only. APR may vary based on credit history and model year. Membership eligibility required; minimum ongoing balance of $1 in Primary Savings Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74% | Rates as low as 5.74% APR. 100% financing with flexible terms up to 84 months available. Subject to credit approval. Vehicle model 10 years and newer, max mileage 125,000 miles. |
Sources (3)
- uvacreditunion.org/borrow
- uvacreditunion.org/borrow/auto-loans
- uvacreditunion.org/learn/rates-fees/personal-rates
All captured Oct 15, 2026
Swap n' Drop Auto Refinancing
Refinancing program to swap an existing vehicle loan from another financial institution. Existing UVA Community Credit Union vehicle loans are not eligible. Loans must be funded within 30 days of application. Limited time offer. Vehicle model ten years and newer; max allowed mileage not to exceed 125,000. Membership eligibility required with minimum ongoing balance of $1 in Primary Savings Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.74% | Rates as low as 5.74% APR for loans up to 72 months. Minimum finance rate for special is 5.74% APR. Payment example: 60 monthly payments of $19.22 per $1,000 borrowed. No other discounts apply. |
Sources (1)
- uvacreditunion.org/borrow/auto-loans · captured Oct 15, 2026
Who can join UVA Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.