Credit union · NCUA insured
Vantage Point Federal Credit Union Auto Loan Rates
Vantage Point Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Vantage Point Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Vantage Point Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vantage Point Federal Credit Union
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New & Used Vehicle Rates ( 10 Years & Newer)
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Discount
- Included in the rate
Vantage Point Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vantage Point 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 & Used Vehicle Rates ( 10 Years & Newer)
Based on approved credit. Rates may vary based on credit score, credit term, and underwriting standards. Applicable to vehicles 10 years and newer. Rates subject to change without prior notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | As low as rate for new & used vehicles (10 years & newer). Based on approved credit; rate may vary based on credit score, credit term, and underwriting standards. Subject to change without prior notice. |
Sources (1)
- vantagepointfcu.org/loans/loan-rates · captured Oct 4, 2026
Who can join Vantage Point 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to persons who live, work, worship, volunteer, or attend school in the City of Hopewell, City of Colonial Heights, City of Petersburg, Chesterfield County, Dinwiddie County, Prince George County, or Sussex County.
Cost to join
- A one-time membership fee of $1.00 is required for membership.
- The minimum requirement for membership is a deposit balance of $25.00 into a share account.
Membership information collected October 4, 2026.