Credit union · NCUA insured
Valex Federal Credit Union Auto Loan Rates
Valex Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 5, 2026.
How Valex Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Alexandria, LA, where Valex Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valex Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 5.49% APR
Auto Loan Special
2nd-lowest rate
Heart of Louisiana Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
DOCCU
5.25%APR
- Terms
- up to 84 months
- Up to
- —
Valex Federal Credit Union 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 Valex 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.
Auto Loan Special
Promotional financing is available for new vehicle purchases, qualifying used vehicles (model years 2024, 2025 and 2026, or vehicles with 20,000 miles or less), and refinances of auto loans currently held by another lender. Existing Valex FCU auto loans are generally not eligible. Rates vary based on loan term, creditworthiness, and relationship discounts (up to 0.50% max combined discount).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49%–4.99% | Promotional rate is 4.99% APR, as low as 4.49% APR with relationship discounts. |
| up to 48 months | 4.74%–5.24% | Promotional rate is 5.24% APR, as low as 4.74% APR with relationship discounts. |
| up to 60 months | 4.99%–5.49% | Promotional rate is 5.49% APR, as low as 4.99% APR with relationship discounts. |
| up to 72 months | 5.49%–5.99% | Promotional rate is 5.99% APR, as low as 5.49% APR with relationship discounts. |
| up to 84 months | 5.74%–6.24% | Promotional rate is 6.24% APR, as low as 5.74% APR with relationship discounts. |
Sources (1)
- valexfcu.org/auto-loan-special · captured Oct 5, 2026
New or Used Vehicle (Car, Truck, Van, Motorcycle)
New financing up to 100% MSRP; Used financing up to 100% NADA Retail; Up to 120% with GAP. Rates and terms subject to qualifications and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Maximum loan amount is less than $15,000. |
| up to 48 months | 5.50% | Loan amount between $15,000 and $19,999.99. |
| up to 60 months | 5.50% | Loan amount between $20,000 and $29,999.99. |
| up to 72 months | 6.50% | Loan amount between $30,000 and $39,999.99. |
| up to 84 months | 6.50% | Loan amount $40,000 or more. |
Who can join Valex Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of record of Continental Federal Credit Union #07041 as of February 28, 2018 are eligible.
- Employees and members of The Pentecostals of Alexandria located in Alexandria, Louisiana are eligible.
- Members of record of River Cities Credit Union #60309 as of September 30, 2018 are eligible.
- Employees and affiliates of numerous designated select employer groups across Louisiana and neighboring states are eligible for membership.
Military, government and schools
- Employees of the City of Pineville who work in or are paid or supervised from Pineville, Louisiana are eligible.
- Employees and students attending Holy Savior Menard in Alexandria, Louisiana are eligible.
9 more ways to join
Military, government and schools
- Employees, members, and students attending Our Lady of Prompt Succor Church and School in Alexandria, Louisiana are eligible.
- Employees of The Town of Ball, Louisiana are eligible for membership.
- Employees of the U.S. Government working within a 1-mile radius of the Veterans Hospital in Alexandria, Louisiana (excluding Department of Agriculture employees) are eligible.
- Employees of the Veterans Administration Hospital who work in Alexandria, Louisiana are eligible for membership.
- Employees of Alexandria VAHCS CWT who work in, or are paid or supervised from Pineville, Louisiana are eligible.
- Employees of The Office of the Clerk of Court who work in Vernon Parish, Louisiana are eligible.
- Employees of Vernon Parish Sheriff Department who work in Leesville, Louisiana are eligible.
Family and household
- Immediate family members (spouse, children, son/daughter-in-law, grandchildren, siblings, parents, grandparents) or household members of eligible persons qualify for membership.
Other ways
- Employees of the credit union, retirees/pensioners from eligible employment, surviving spouses of deceased members/eligible persons, and organizations of such persons are eligible for membership.
Cost to join
- Membership requires qualifying and opening a Share Savings account with a minimum balance of $25.
Membership information collected October 5, 2026.