Credit union · NCUA insured
Valley Federal Credit Union Auto Loan Rates
Top CarrotValley Federal Credit Union auto loans start at 2.95% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Brownsville, TX, where Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Federal Credit Union
2.95%APR
- Terms
- up to 72 months
- Up to
- —
New Auto Loans
2nd-lowest rate
NAFT Federal Credit Union
3.49%APR
- Terms
- up to 84 months
- Up to
- —
3rd-lowest rate
Rio Grande Valley Credit Union
4.95%APR
- Terms
- up to 72 months
- Up to
- 17.99% APR
Valley Federal Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew2.95%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley 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.
New Auto Loan
Rates are subject to change without notice. Certain terms and conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 3.50% | Up to 66 months as low as 3.50% APR. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 72 months | 2.95% | Up to 72 months as low as 2.95% APR. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 75 months | 3.70% | Up to 75 months as low as 3.70% APR. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 78 months | 4.35% | Up to 78 months as low as 4.35% APR. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 84 months | 5.70% | Up to 84 months as low as 5.70% APR. Certain terms and conditions apply. Rates are subject to change without notice. |
Sources (1)
- vfcu.net/loans/auto · captured Oct 6, 2026
New Auto Loans
Rates are subject to change without notice. Certain terms and conditions apply. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 3.50% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 72 months | 2.95% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 75 months | 3.70% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 78 months | 4.35% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 84 months | 5.70% | Certain terms and conditions apply. Rates subject to change without notice. |
Sources (1)
- vfcu.net/loans/auto · captured Oct 6, 2026
Used Auto Loan
Rates are subject to change without notice. Certain terms and conditions apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.50% | Up to 66 months as low as 4.50%. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 75 months | 5.15% | Up to 75 months as low as 5.15%. Certain terms and conditions apply. Rates are subject to change without notice. |
| up to 84 months | 6.50% | Up to 84 months as low as 6.50%. Certain terms and conditions apply. Rates are subject to change without notice. |
Sources (1)
- vfcu.net/loans/auto · captured Oct 6, 2026
Used Auto Loans
Rates are subject to change without notice. Certain terms and conditions apply. Up to 100% financing available.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.50% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 75 months | 5.15% | Certain terms and conditions apply. Rates subject to change without notice. |
| up to 84 months | 6.50% | Certain terms and conditions apply. Rates subject to change without notice. |
Sources (1)
- vfcu.net/loans/auto · captured Oct 6, 2026
Who can join Valley Federal 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 work, attend school, or reside in Cameron or Willacy County are eligible to join.
- Individuals who work, attend school, or worship in Cameron/Willacy County are eligible to become a member.
Membership information collected October 5, 2026.