Credit union · NCUA insured
West Virginia Federal Credit Union Auto Loan Rates
West Virginia Federal Credit Union auto loans start at 5.31% APR for a new vehicle and 6.06% for a used one. Rates checked October 22, 2026.
How West Virginia Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charleston, WV, where West Virginia Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
West Virginia Federal Credit Union
5.31%APR
- Terms
- up to 62 months
- Discount
- None included
New/Used Auto & Harley Davidson 2023 & Newer
Lowest rate
Charleston FCU
4.25%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Peoples Federal Credit Union
4.30%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
West Virginia Federal Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.31%
- Used vehicleUsed6.06%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Virginia 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 Auto & Harley Davidson 2023 & Newer
All rates are for personal accounts only. Rates apply to new vehicles 2023 and newer. Up to 100% financed. Additional rate discounts available with a Preferred Relationship (0.15% discount) or automatic payment deduction (0.10% discount). Lender Single Interest Insurance (LSI) required ($48 if obtained from credit union). $35 processing fee applies. Loan must be greater than $30,000 for 84 month financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 38 months | 4.60% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 50 months | 5.08% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 62 months | 5.31% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 66 months | 5.56% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 75 months | 5.80% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 84 months | 6.80% | Up to 100% financed. Loan must be greater than $30,000 for 84 month financing. Rate discount of 0.10% available with automatic payment deduction. |
Sources (3)
All captured Oct 4, 2026
Used Auto & Harley Davidson 2018-2019
All rates are for personal accounts only. Rates apply to used vehicles 2017 & older and 2018 to 2019. Up to 100% financed. Additional rate discounts available with an automatic payment deduction (0.10% discount). Lender Single Interest Insurance (LSI) required ($48 if obtained from credit union). $35 processing fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.10% | Applies to 2017 & Older vehicles. Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
| up to 48 months | 6.08% | Applies to 2018 to 2019 vehicles. Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
Sources (3)
All captured Oct 4, 2026
Used Auto & Harley Davidson 2020-2022
All rates are for personal accounts only. Rates apply to used vehicles 2020-2022. Up to 100% financed. Additional rate discounts available with a Preferred Relationship (0.15% discount) or automatic payment deduction (0.10% discount). Lender Single Interest Insurance (LSI) required ($48 if obtained from credit union). $35 processing fee applies. Loan must be greater than $30,000 for 84 month financing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.06% | Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction. |
Sources (3)
All captured Oct 4, 2026
Who can join West Virginia 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 open to the community field of membership in Cabell County, WV.
- Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Kanawha and Putnam Counties, WV.
- Membership is open to the community field of membership in Wayne, Lincoln, and Boone Counties, WV.
Other ways
- Membership is open to volunteers in the communities served.
Membership information collected October 4, 2026.