Credit union · NCUA insured
VECU Credit Union Auto Loan Rates
VECU Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How VECU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where VECU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
VECU Credit Union
5.24%APR
- Terms
- 61–66 months
- Up to
- 17.00% APR
- Discount
- Included in the rate
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
- Discount
- None included
VECU Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VECU 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.
2020 and Older Refinanced Vehicles
No refinancing charge. Existing VECU loans are not eligible for refinance. Rates include maximum Relationship Reward Discount. Annual Percentage Rate received is based on credit worthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.34%–16.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. Used vehicle rates as low as 5.34% APR on 2019 vehicles and older. |
| 49–60 months | 5.44%–17.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 61–66 months | 5.80%–18.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 67–75 months | 5.65%–19.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 76–84 months | 6.49%–20.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
2020 and Older Vehicles or Motorcycles
Rates include maximum Relationship Reward Discount. Annual Percentage Rate received is based on credit worthiness and other factors. Used vehicle rates as low as 5.34% APR on 2019 vehicles and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.34%–16.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. Used vehicle rates as low as 5.34% APR on 2019 vehicles and older. |
| 49–60 months | 5.44%–17.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 61–66 months | 5.80%–18.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 67–75 months | 5.65%–19.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 76–84 months | 6.49%–20.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
Sources (1)
- vecu.org/resources/rates/loan · captured Oct 7, 2026
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
Rates include maximum Relationship Reward Discount. Annual Percentage Rate received is based on credit worthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99%–15.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 49–60 months | 3.99%–16.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 61–66 months | 5.24%–17.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 67–75 months | 5.49%–18.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
| 76–84 months | 6.49%–19.00% | Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors. |
Sources (1)
- vecu.org/resources/rates/loan · captured Oct 7, 2026
Refinanced Vehicle Loans (2021 and newer)
No refinancing charge. Existing VECU loans are not eligible for refinance. Rates include maximum Relationship Reward Discount. Annual Percentage Rate received is based on credit worthiness and other factors.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99%–15.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 49–60 months | 3.99%–16.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 61–66 months | 5.24%–17.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 67–75 months | 5.49%–18.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
| 76–84 months | 6.49%–19.00% | Rates include maximum Relationship Reward Discount. Existing VECU loans are not eligible for refinance. Risk-based pricing based on creditworthiness and other factors. |
Who can join VECU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals engaged in or members of a school auxiliary and/or activity service (such as a PTA) within VECU's field of membership are eligible to join.
Military, government and schools
- Alumni of a college or university in Newport News or Williamsburg are eligible to join.
- Persons engaged in educational services at a school within VECU's field of membership are eligible to join.
- Hampton University employees, faculty members, students, or alumni are eligible to join.
- Retired educators currently residing in one of the localities included in VECU's field of membership are eligible to join.
- Employees of an educational organization or public/private school system within VECU's field of membership are eligible to join.
5 more ways to join
Military, government and schools
- Retirees of a school system within VECU's field of membership are eligible to join.
- Students in localities within VECU's field of membership are eligible to join.
- Students attending Thomas Nelson Community College are eligible to join.
Family and household
- Family members related by blood, marriage, or by law to a current VECU member are eligible to join.
- Un-remarried spouses of deceased VECU members are eligible to join.
Cost to join
- PTA membership can start as low as $5.00 per year.
Membership information collected October 4, 2026.