Credit union · NCUA insured
Valley Communities Credit Union Auto Loan Rates
Top CarrotValley Communities Credit Union auto loans start at 4.72% APR for a new vehicle and 4.72% for a used one. Rates checked October 16, 2026.
How Valley Communities Credit Union’s auto loan rates compare
Compared with banks and credit unions near Wausau, WI, where Valley Communities Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Communities Credit Union
4.72%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Athens Area CU
4.25%APR
- Terms
- up to 60 months
2nd-lowest rate
Marathon County Employees Credit Union
4.49%APR
- Terms
- up to 72 months
Valley Communities Credit Union auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew4.72%
- Used vehicleUsed4.72%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Communities 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
Available for new or used vehicles and refinancing. Flexible repayment terms up to 84 months with monthly, bi-weekly, and weekly payment options. Membership Matters loan program available for members in good standing for 12 months with less than perfect credit. Rates vary based on creditworthiness and year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $43.42. |
| up to 36 months | 4.42% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $29.71. |
| up to 48 months | 4.52% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $22.81. |
| up to 60 months | 4.72% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $18.74. |
| up to 72 months | 4.92% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $16.07. |
| up to 84 months | 5.57% | Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $14.40. |
Sources (3)
- valleycommunities.org
- valleycommunities.org/loans-cr…al-loans/auto-loans.html
- valleycommunities.org/services…sources/tools/rates.html
All captured Oct 5, 2026
Who can join Valley Communities Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all persons who live, work, or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Taylor, Waupaca, Waushara, or Wood counties.
Membership information collected October 5, 2026.