Credit union · NCUA insured
West Branch Valley Federal Credit Union Auto Loan Rates
West Branch Valley Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How West Branch Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Williamsport, PA, where West Branch Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Branch Valley Federal Credit Union
4.24%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Fall Auto Special
Lowest rate
Wyrope Williamsport FCU
4.00%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Montoursville Area Federal Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
West Branch Valley Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Branch Valley 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.
Fall Auto Special
Offer ends November 15, 2026. Good for new or used vehicles, purchase or refinance. Rates vary by credit, collateral and term of loan. Includes a 0.50% rate discount for automatic payments from an active WBVFCU account and direct deposit. Minimum of $2,500 in new money if using to refinance a WBVFCU loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.24% | Good for new or used vehicles, purchase or refinance. Includes a 0.50% rate discount for automatic payments from an active WBVFCU account and direct deposit. Minimum of $2,500 in new money if using to refinance a WBVFCU loan. Offer ends November 15, 2026. Payment example: 4.24% APR for 72 months = $15.75 per $1,000. |
| up to 84 months | 4.49% | 84-month term. Good for new or used vehicles, purchase or refinance. Includes a 0.50% rate discount for automatic payments from an active WBVFCU account and direct deposit. Minimum of $2,500 in new money if using to refinance a WBVFCU loan. Offer ends November 15, 2026. |
Sources (1)
- wbvfcu.org/loan-products/auto-loans · captured Oct 6, 2026
Fixed Rate Auto Loan
Rates vary based on creditworthiness and terms of loan. Rates displayed include a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. Financing is determined using 125% of the NADA retail and loan value including tax, title and transfer.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.24% | 2018- 2027 Model Year. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. |
| 61–72 months | 4.24% | 2018- 2027 Model Year. Minimum $20,000. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. |
| up to 84 months | 4.49% | 2021 - 2027 Model Year. Minimum $20,000. New current year untitled vehicles can be financed for up to 84 months. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. |
| up to 60 months | 4.74% | 2016 - 2017 Model Year. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. |
| 61–72 months | 5.74% | 2016 - 2017 Model Year. Minimum $20,000. Includes a 0.50% rate discount for automatic payments out of an active WBVFCU account and a monthly direct deposit. Must take $2,500 in new money on all in-house refinances. |
Sources (2)
All captured Oct 6, 2026
Who can join West Branch Valley Federal Credit Union
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