Credit union · NCUA insured
Virginia Credit Union Auto Loan Rates
Top CarrotVirginia Credit Union auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 22, 2026.
How Virginia Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Virginia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Virginia Credit Union
4.69%APR
- Terms
- up to 66 months
- Discount
- None included
Car or Light Truck Loan
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
Virginia Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Virginia 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.
Car or Light Truck Loan
Applies to model years 2016-2026. For purchasing used or new vehicles, or refinancing current vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. Minimum APR offered is 4.49%. |
| up to 66 months | 4.69% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. |
| up to 72 months | 5.09% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. |
| up to 78 months | 5.34% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. |
| up to 84 months | 6.09% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. |
Motorcycle Loan
Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more. Regardless of available discounts, 7.49% is the minimum APR offered. Minimum and maximum loan amounts apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49% | As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for LTV of less than 115% or less, 0.5% discount for LTV between 115.1-125%, 1.5% discount for loan amount of $35,000 or more, 1.0% discount for loan amount between $20,000-34,999, and .25% for loan amount between $10,000-$19,999. Minimum APR is 7.49%. |
| up to 66 months | 7.99% | As low as APR. Listed APRs assume excellent credit, automated payment discount, LTV and loan amount discounts. Minimum APR is 7.49%. |
| up to 72 months | 8.24% | As low as APR. Listed APRs assume excellent credit, automated payment discount, LTV and loan amount discounts. Minimum APR is 7.49%. |
| up to 78 months | 8.49% | As low as APR. Listed APRs assume excellent credit, automated payment discount, LTV and loan amount discounts. Minimum APR is 7.49%. |
| up to 84 months | 9.74% | As low as APR. Listed APRs assume excellent credit, automated payment discount, LTV and loan amount discounts. Minimum APR is 7.49%. |
Sources (1)
- vacu.org/why-vacu/rates · captured Oct 22, 2026
Who can join Virginia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone unable to join through other paths can join through the American Consumer Council (ACC), with VACU handling enrollment and paying the lifetime membership fee.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in designated Virginia cities, counties, and towns are eligible for membership.
Employers and groups
- Employees, retirees, or enrolled full-time/part-time students at Virginia Union University, Randolph-Macon College, Liberty University, or University of Richmond are eligible for membership.
Military, government and schools
- Employees, retirees, or enrolled full-time/part-time students at any Virginia state-funded college or university are eligible for membership.
- Employees and retirees of any Commonwealth of Virginia state agency/department or any county, city, town, or other political subdivision in Virginia are eligible for membership.
Family and household
- Immediate family (parents, spouses, children, siblings, grandparents, grandchildren) and household members of eligible members qualify regardless of where they live.
Cost to join
- Membership requires paying a $5 member share.
Membership information collected October 4, 2026.