Credit union · NCUA insured
WVU Credit Union Auto Loan Rates
Top CarrotWVU Credit Union auto loans start at 4.24% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How WVU Credit Union’s auto loan rates compare
Compared with banks and credit unions near Morgantown, WV, where WVU Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WVU Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Car Loans
Lowest rate
WEPCO Federal Credit Union
3.24%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
WVU Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WVU 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 Car Loans
Borrow up to 100% of sticker price. Rates based on credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | 100% Financing. Rates as low as. |
| up to 48 months | 4.24% | 100% Financing. Rates as low as. |
| up to 60 months | 4.24% | 100% Financing. Rates as low as. |
| up to 72 months | 4.49% | 100% Financing. Rates as low as. |
| up to 84 months | 4.74% | 100% Financing. Rates as low as. |
Used Car Loans
Borrow up to 100% of CARFAX retail value. Rates based on age of vehicle and credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.49% | Year: 2025 – 2024. 100% of CARFAX. Rates as low as. |
| up to 60 months | 4.99% | Year: 2025 – 2020. 100% of CARFAX. Rates as low as. |
| up to 48 months | 6.24% | Year: 2019 – 2014. 100% of CARFAX. Rates as low as. |
| up to 24 months | 6.74% | Year: 2013 – and older. 100% of CARFAX. Rates as low as. |
Who can join WVU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to employees of West Virginia University and affiliated organizations.
- Membership is open to students of West Virginia University, WVU Potomac State College, WVU at Parkersburg, and WVU Institute of Technology.
Family and household
- Membership is open to members of the immediate family of eligible persons.
- Membership is open to spouses of persons who died within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
1 more way to join
Other ways
- Membership is open to persons retired within the field of membership.
Cost to join
- Membership requires an initial deposit of $5.00.
- Membership requires a one-time fee of $1.00.
Membership information collected October 4, 2026.