ValleyStar Credit Union Auto Loan Rates

How ValleyStar Credit Union’s auto loan rates compare

Compared with banks and credit unions near Roanoke, VA, where ValleyStar Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
ValleyStar Credit Union
5.74%APR
Terms
60–84 months
Auto/Light Truck Loans
Lowest rate
Kemba Roanoke FCU
4.24%APR
Terms
—
Kemba Roanoke FCU rates
2nd-lowest rate
Virginia Credit Union
4.69%APR
Terms
up to 66 months
Virginia Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 16% of U.S. banks and credit unions

By vehicle

New vehicleNew5.74%
Used vehicleUsed6.24%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where ValleyStar 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/Light Truck Loans

Refinance cash back available up to $300. Loans are subject to collateral and credit qualifications. Purchase money excluded. Current ValleyStar loans do not qualify. Title-only loans do not qualify. Funds will be deposited after the loan closing date. Must have a balance on the loan at the 90-day mark to receive cash back. Must not be delinquent on the loan at the 90-day mark.

Terms	APR	Conditions
60–84 months	5.74%	Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral. Never titled.
60–84 months	6.24%	Applies to model years 2023-2025. Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral.
60–72 months	7.49%	Applies to model years 2019-2022. Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral.
up to 60 months	9.99%	Applies to model years 2018 and older. Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral.

Sources (2)

All captured Oct 22, 2026

Motorcycle Loans

Terms	APR	Conditions
up to 60 months	8.49%	Subject to membership length, credit score, and credit approval. Repayment terms and APR may vary depending on credit qualifications and selected terms. Vehicles with 120,000 miles or more, add 0.50% to interest rate. Vehicles 8 years and older will classify as other collateral.
up to 60 months	9.49%	Applies to model years 2019 or Newer. Subject to membership length, credit score, and credit approval. Repayment terms and APR may vary depending on credit qualifications and selected terms. Vehicles with 120,000 miles or more, add 0.50% to interest rate. Vehicles 8 years and older will classify as other collateral.

Sources (1)