Credit union · NCUA insured
Virginia State University Federal Credit Union Auto Loan Rates
Virginia State University Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 6.49% for a used one. Rates checked October 15, 2026.
How Virginia State University Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Richmond, VA, where Virginia State University Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Virginia State University Federal Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 12.49% APR
- Discount
- None included
New Vehicles & Motorcycles Model Year 2021-2025
Lowest rate
Credit Union of Richmond
3.74%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Call Federal Credit Union
3.99%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
Virginia State University Federal Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed6.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Virginia State University 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 Vehicles & Motorcycles Model Year 2021-2025
Rate based on creditworthiness. A vehicle value is based on msrp or by a source approved by the credit union. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49%–12.49% | Model Year 2021-2025. Up to 84 Months. |
Sources (1)
- vsufcu.org/loans/rates.html · captured Oct 4, 2026
Older Used Vehicles & Motorcycles Model Year 2015-2020
Rate based on creditworthiness. A vehicle value is based on msrp or by a source approved by the credit union. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.49%–13.49% | Model Year 2015-2020. Up to 72 Months. |
Sources (1)
- vsufcu.org/loans/rates.html · captured Oct 4, 2026
Vehicle Non–Purchase
Rate based on creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49%–13.49% | Up to 60 months. |
Sources (1)
- vsufcu.org/loans/rates.html · captured Oct 4, 2026
Who can join Virginia State University Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Virginia State University faculty, staff, contract employees, alumni, and students are eligible for membership.
- Employees of the Petersburg Public Schools & Chesterfield County Schools are eligible for membership.
Cost to join
- A $2 membership fee is required when applying for membership.
- A $5 minimum deposit to a share (savings) account is required upon applying for membership (as part of the $7 total minimum payment).
Membership information collected October 4, 2026.