Credit union · NCUA insured
Valley Credit Union Auto Loan Rates
Top CarrotValley Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% 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 Salem, OR, where Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 17.99% APR
- Discount
- None included
Auto Loan
2nd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Oregon State Credit Union
4.94%APR
- Terms
- 73–84 months
- Up to
- 17.28% APR
- Discount
- None included
Valley Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
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.
Auto Loan
Financing available for new and used cars, trucks, vans, and classic vehicles. Up to 100% financing of Blue Book or purchase price. Terms up to 84 months. No early payoff penalties. Optional no payments for 60 days. $65 loan processing fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–17.99% | Rates range from 4.49% to 17.99% APR based on creditworthiness, credit history, loan-to-value ratio, and loan term. Terms up to 84 months. $65 loan processing fee applies. |
Sources (3)
All captured Oct 3, 2026
Who can join Valley Credit Union
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