Credit union · NCUA insured
Valley Credit Union Auto Loan Rates
Valley Credit Union auto loans start at 5.25% APR for a new vehicle and 5.99% for a used one. Rates checked October 22, 2026.
How Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Florence, AL, where Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 7.75% APR
New/Used Auto 2023 & Newer
Lowest rate
Florence Federal Credit Union
5.00%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Railway Employees
5.00%APR
- Terms
- —
- Up to
- —
Valley Credit Union auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley 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.
New/Used Auto 2023 & Newer
All loans subject to credit approval. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. APR received will be based on creditworthiness, credit history, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.25%–8.75% | Repayment amount is $16.00 per month based on $1,000 borrowed. |
| up to 72 months | 5.50%–8.00% | Repayment amount is $17.00 per month based on $1,000 borrowed. |
| up to 60 months | 5.25%–7.75% | Repayment amount is $20.00 per month based on $1,000 borrowed. |
| up to 48 months | 4.99%–7.49% | Repayment amount is $24.00 per month based on $1,000 borrowed. |
Sources (1)
- valleycreditunion.net/auto-loans · captured Oct 7, 2026
Used Auto 2016 & Older
All loans subject to credit approval. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. APR received will be based on creditworthiness, credit history, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.95%–9.45% | Repayment amount is $21.00 per month based on $1,000 borrowed. |
Sources (1)
- valleycreditunion.net/auto-loans · captured Oct 7, 2026
Used Auto 2017-2022
All loans subject to credit approval. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. APR received will be based on creditworthiness, credit history, and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.49%–8.99% | Repayment amount is $18.00 per month based on $1,000 borrowed. |
| up to 60 months | 5.99%–8.49% | Repayment amount is $20.00 per month based on $1,000 borrowed. |
Sources (1)
- valleycreditunion.net/auto-loans · captured Oct 7, 2026
Who can join Valley 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 attend school in Colbert, Franklin, Lawrence, Lauderdale, Marion, or Winston County, Alabama are eligible for membership.
Cost to join
- A minimum deposit of $25 in a Share Account is required to open a membership.
Membership information collected October 4, 2026.