Credit union · NCUA insured
Valley One Community Federal Credit Union Auto Loan Rates
Valley One Community Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Valley One Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Weirton, WV-OH, where Valley One Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley One Community Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 15.49% APR
New Autos
Lowest rate
YTR Community FCU
4.50%APR
- Terms
- up to 84 months
- Up to
- 13.75% APR
2nd-lowest rate
Strip Steel Community Federal Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
Valley One Community Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley One Community 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 Autos
Up to 90% financing to qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99%–15.99% | Rates tiered by credit rating: A+ (5.99% APR), A (5.99% APR), B (6.49% APR), C (10.49% APR), D (11.99% APR), E (15.99% APR). |
| up to 60 months | 5.49%–15.49% | Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR). |
| up to 48 months | 4.99%–14.99% | Rates tiered by credit rating: A+ (4.99% APR), A (4.99% APR), B (5.49% APR), C (9.49% APR), D (11.49% APR), E (14.99% APR). |
| up to 36 months | 4.49%–14.49% | Rates tiered by credit rating: A+ (4.49% APR), A (4.49% APR), B (4.99% APR), C (8.99% APR), D (10.49% APR), E (14.49% APR). |
Sources (2)
All captured Oct 16, 2026
Older Used Cars
Up to 90% financing to qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49%–15.99% | Rates tiered by credit rating: A+ (6.49% APR), A (6.49% APR), B (6.99% APR), C (10.99% APR), D (12.49% APR), E (15.99% APR). |
| up to 48 months | 7.99%–16.49% | Rates tiered by credit rating: A+ (7.99% APR), A (7.99% APR), B (8.49% APR), C (12.49% APR), D (13.99% APR), E (16.49% APR). |
Sources (2)
All captured Oct 16, 2026
Used Autos 2018
Up to 90% financing to qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99%–15.99% | Rates tiered by credit rating: A+ (5.99% APR), A (5.99% APR), B (6.99% APR), C (10.49% APR), D (11.99% APR), E (15.99% APR). |
| up to 36 months | 5.99%–15.99% | Rates tiered by credit rating: A+ (5.99% APR), A (5.99% APR), B (6.49% APR), C (10.49% APR), D (11.99% APR), E (15.99% APR). |
Sources (2)
All captured Oct 16, 2026
Used Autos 2024-2019
Up to 90% financing to qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–15.49% | Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR). |
| up to 48 months | 4.99%–14.99% | Rates tiered by credit rating: A+ (4.99% APR), A (4.99% APR), B (5.49% APR), C (9.49% APR), D (10.99% APR), E (14.99% APR). |
Sources (2)
All captured Oct 16, 2026
Used Autos 2025
Up to 90% financing to qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–15.49% | Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR). |
| up to 48 months | 4.99%–14.99% | Rates tiered by credit rating: A+ (4.99% APR), A (4.99% APR), B (5.49% APR), C (9.49% APR), D (10.99% APR), E (14.99% APR). |
| up to 36 months | 4.49%–14.49% | Rates tiered by credit rating: A+ (4.49% APR), A (4.49% APR), B (4.99% APR), C (8.99% APR), D (10.49% APR), E (14.49% APR). |
Sources (2)
All captured Oct 16, 2026
Who can join Valley One Community 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 live, work, worship, or attend school in Jefferson County, Ohio are eligible for membership.
Membership information collected October 5, 2026.