Auto Loans · Virginia
90 credit unions in Virginia report car loan rates to the NCUA. Rates range from 1.40% to 15.50%.
Updated Q1 2026 · NCUA Call Report data
90
CUs Reporting Rates
1.40%
Lowest New Car Rate
5.52%
State Average Rate
60
Cities Covered
90 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | POLY SCIENTIFIC EMPLOYEES BLACKSBURG | 1.40% | 6.00% |
| 2 | PENTAGON MCLEAN | 1.99% | 5.79% |
| 3 | CENTRAL VIRGINIA LYNCHBURG | 1.99% | 5.86% |
| 4 | NORFOLK FIRE DEPARTMENT Norfolk | 2.99% | 6.25% |
| 5 | TRANSPORTATION Alexandria | 2.99% | 9.24% |
| 6 | NEWPORT NEWS MUN. EMP CREDIT UNION Newport News | 3.00% | 7.99% |
| 7 | SUMMIT HAMPTON ROADS Norfolk | 3.00% | 5.00% |
| 8 | PEOPLES ADVANTAGE Petersburg | 3.24% | 18.00% |
| 9 | VANTAGE POINT HOPEWELL | 3.24% | 4.24% |
| 10 | DUPONT COMMUNITY Waynesboro | 3.29% | 6.79% |
| 11 | PFD FIREFIGHTERS CREDIT UNION INC. Portsmouth | 3.50% | 6.50% |
| 12 | SPECTRA ALEXANDRIA | 3.89% | 6.65% |
| 13 | FRONT ROYAL FRONT ROYAL | 3.99% | 4.99% |
| 14 | AUGUSTA HEALTH CARE CREDIT UNION FISHERSVILLE | 4.00% | 5.00% |
| 15 | FIRST CARE Roanoke | 4.13% | 7.44% |
| 16 | BLUE EAGLE Roanoke | 4.25% | 4.25% |
| 17 | VIRGINIA STATE UNIVERSITY South Chesterfi | 4.49% | 4.49% |
| 18 | PORT OF HAMPTON ROADS ILA NORFOLK | 4.50% | 9.25% |
| 19 | PLANTERS Suffolk | 4.50% | 9.50% |
| 20 | CELCO COMMUNITY NARROWS | 4.58% | 6.08% |
| 21 | CALL Richmond | 4.58% | 5.10% |
| 22 | NAVY FEDERAL CREDIT UNION VIENNA | 4.59% | 5.39% |
| 23 | LYNCHBURG MUNICIPAL EMPLOYEES Lynchburg | 4.64% | 8.35% |
| 24 | STRATEGIC Sterling | 4.70% | 5.20% |
| 25 | BEACH MUNICIPAL Virginia Beach | 4.74% | 4.74% |
| 26 | PARK VIEW Harrisonburg | 4.74% | 7.04% |
| 27 | 1ST ADVANTAGE Newport News | 4.75% | 4.75% |
| 28 | HOPEWELL CHEMICAL Hopewell | 4.81% | 7.02% |
| 29 | DEMOCRACY Alexandria | 4.90% | 5.27% |
| 30 | HEALTHCARE SYSTEMS Falls Church | 4.95% | 5.60% |
| 31 | INFIRST Alexandria | 4.95% | 6.86% |
| 32 | PATENT AND TRADEMARK OFFICE ALEXANDRIA | 4.98% | 5.57% |
| 33 | ROANOKE VALLEY COMMUNITY ROANOKE | 4.99% | 5.49% |
| 34 | ARLINGTON COMMUNITY Arlington | 4.99% | 4.99% |
| 35 | G E A EMPLOYEES Pearisburg | 4.99% | 6.99% |
| 36 | SALEM VA MEDICAL CENTER Salem | 5.00% | 5.00% |
| 37 | IBEW LOCAL UNION 80 Norfolk | 5.00% | 12.00% |
| 38 | INLAND MOTOR EMPLOYEES Radford | 5.00% | 6.00% |
| 39 | VIRGINIA Richmond | 5.00% | 6.00% |
| 40 | AGRICULTURE MERRIFIELD | 5.09% | 5.09% |
| 41 | RICHMOND VIRGINIA FIRE POLICE CREDI Richmond | 5.16% | 6.54% |
| 42 | SIGNATURE ALEXANDRIA | 5.19% | 5.31% |
| 43 | UNITED STATES SENATE Alexandria | 5.24% | 5.49% |
| 44 | VIRGINIA EDUCATORS CREDIT UNION Newport News | 5.30% | 5.30% |
| 45 | MIDWAY BERRYVILLE | 5.37% | 8.01% |
| 46 | JUSTICE Chantilly | 5.39% | 5.59% |
| 47 | VA BEACH POSTAL Virginia Beach | 5.40% | 8.28% |
| 48 | HOMEBASE Prince George | 5.43% | 6.01% |
| 49 | CHARTWAY Virginia Beach | 5.50% | 5.79% |
| 50 | DOMINION ENERGY CREDIT UNION North Chesterfi | 5.50% | 5.50% |
| 51 | NORTHERN STAR CREDIT UNION, INC. Portsmouth | 5.58% | 6.76% |
| 52 | YOGAVILLE Buckingham | 5.60% | 6.85% |
| 53 | HAMPTON ROADS EDUC CREDIT UNION INC HAMPTON | 5.60% | 6.21% |
| 54 | BAYPORT NEWPORT NEWS | 5.64% | 5.84% |
| 55 | COMMONWEALTH ONE ALEXANDRIA | 5.64% | 6.14% |
| 56 | STATE DEPARTMENT ALEXANDRIA | 5.74% | 5.99% |
| 57 | VALLEYSTAR Martinsville | 5.74% | 5.74% |
| 58 | PAHO/WHO Arlington | 5.75% | 5.75% |
| 59 | HENRICO Henrico | 5.80% | 6.18% |
| 60 | JACKSON RIVER COMMUNITY Covington | 5.90% | 8.00% |
| 61 | N A E Chesapeake | 5.99% | 6.99% |
| 62 | KRAFTSMAN Hopewell | 5.99% | 5.99% |
| 63 | HIGH STREET BAPTIST CHURCH Roanoke | 6.00% | 8.00% |
| 64 | UNIVERSITY OF VA COMMUNITY CU Charlottesville | 6.01% | 6.74% |
| 65 | LOUDOUN CREDIT UNION Leesburg | 6.12% | 6.81% |
| 66 | VIRGINIA UNITED METHODIST North Chesterfi | 6.24% | 7.24% |
| 67 | BAYLANDS FAMILY WEST POINT | 6.24% | 6.62% |
| 68 | KEMBA ROANOKE SALEM | 6.27% | 7.60% |
| 69 | AUGUSTA COUNTY VERONA | 6.30% | 6.55% |
| 70 | RVA FINANCIAL Richmond | 6.41% | 7.61% |
| 71 | TOPSIDE DAHLGREN | 6.49% | 6.49% |
| 72 | APPLE Fairfax | 6.49% | 6.99% |
| 73 | BEACON CREDIT UNION, INCORPORATED Lynchburg | 6.55% | 6.55% |
| 74 | URW COMMUNITY DANVILLE | 6.60% | 9.51% |
| 75 | NORTHWEST Herndon | 6.69% | 6.69% |
| 76 | TRUENERGY SPRINGFIELD | 6.71% | 6.71% |
| 77 | ABNB Chesapeake | 6.82% | 7.44% |
| 78 | FREEDOM FIRST Roanoke | 6.93% | 8.12% |
| 79 | PWC EMPLOYEES Woodbridge | 6.97% | 6.13% |
| 80 | RICHMOND HERITAGE Richmond | 6.99% | 3.99% |
| 81 | ST. ANN'S ARLINGTON ARLINGTON | 7.08% | 4.84% |
| 82 | LANGLEY Newport News | 7.24% | 7.24% |
| 83 | MOSAIC Harrisonburg | 7.25% | 8.25% |
| 84 | BRONCO FRANKLIN | 7.69% | 6.19% |
| 85 | CREDIT UNION OF RICHMOND INCORPORAT Richmond | 7.74% | 7.99% |
| 86 | CONNECTS Richmond | 8.92% | 8.92% |
| 87 | ARGENT CHESTERFIELD | 8.99% | 8.99% |
| 88 | FIRST NRV Radford | 8.99% | 8.99% |
| 89 | METROPOLITAN CHURCH SUFFOLK | 12.00% | 12.00% |
| 90 | GLAMORGAN EMPLOYEES Lynchburg | 15.50% | 14.28% |
92 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RICHMOND HERITAGE Richmond | 3.99% | 6.99% |
| 2 | VANTAGE POINT HOPEWELL | 4.24% | 3.24% |
| 3 | BLUE EAGLE Roanoke | 4.25% | 4.25% |
| 4 | VIRGINIA STATE UNIVERSITY South Chesterfi | 4.49% | 4.49% |
| 5 | BEACH MUNICIPAL Virginia Beach | 4.74% | 4.74% |
| 6 | 1ST ADVANTAGE Newport News | 4.75% | 4.75% |
| 7 | ST. ANN'S ARLINGTON ARLINGTON | 4.84% | 7.08% |
| 8 | FRONT ROYAL FRONT ROYAL | 4.99% | 3.99% |
| 9 | ARLINGTON COMMUNITY Arlington | 4.99% | 4.99% |
| 10 | SUMMIT HAMPTON ROADS Norfolk | 5.00% | 3.00% |
| 11 | AUGUSTA HEALTH CARE CREDIT UNION FISHERSVILLE | 5.00% | 4.00% |
| 12 | SALEM VA MEDICAL CENTER Salem | 5.00% | 5.00% |
| 13 | AGRICULTURE MERRIFIELD | 5.09% | 5.09% |
| 14 | CALL Richmond | 5.10% | 4.58% |
| 15 | STRATEGIC Sterling | 5.20% | 4.70% |
| 16 | DEMOCRACY Alexandria | 5.27% | 4.90% |
| 17 | VIRGINIA EDUCATORS CREDIT UNION Newport News | 5.30% | 5.30% |
| 18 | SIGNATURE ALEXANDRIA | 5.31% | 5.19% |
| 19 | NAVY FEDERAL CREDIT UNION VIENNA | 5.39% | 4.59% |
| 20 | ROANOKE VALLEY COMMUNITY ROANOKE | 5.49% | 4.99% |
| 21 | UNITED STATES SENATE Alexandria | 5.49% | 5.24% |
| 22 | DOMINION ENERGY CREDIT UNION North Chesterfi | 5.50% | 5.50% |
| 23 | PATENT AND TRADEMARK OFFICE ALEXANDRIA | 5.57% | 4.98% |
| 24 | JUSTICE Chantilly | 5.59% | 5.39% |
| 25 | HEALTHCARE SYSTEMS Falls Church | 5.60% | 4.95% |
| 26 | VALLEYSTAR Martinsville | 5.74% | 5.74% |
| 27 | PAHO/WHO Arlington | 5.75% | 5.75% |
| 28 | PENTAGON MCLEAN | 5.79% | 1.99% |
| 29 | CHARTWAY Virginia Beach | 5.79% | 5.50% |
| 30 | BAYPORT NEWPORT NEWS | 5.84% | 5.64% |
| 31 | CENTRAL VIRGINIA LYNCHBURG | 5.86% | 1.99% |
| 32 | STATE DEPARTMENT ALEXANDRIA | 5.99% | 5.74% |
| 33 | KRAFTSMAN Hopewell | 5.99% | 5.99% |
| 34 | POLY SCIENTIFIC EMPLOYEES BLACKSBURG | 6.00% | 1.40% |
| 35 | INLAND MOTOR EMPLOYEES Radford | 6.00% | 5.00% |
| 36 | VIRGINIA Richmond | 6.00% | 5.00% |
| 37 | HOMEBASE Prince George | 6.01% | 5.43% |
| 38 | CELCO COMMUNITY NARROWS | 6.08% | 4.58% |
| 39 | PWC EMPLOYEES Woodbridge | 6.13% | 6.97% |
| 40 | COMMONWEALTH ONE ALEXANDRIA | 6.14% | 5.64% |
| 41 | HENRICO Henrico | 6.18% | 5.80% |
| 42 | BRONCO FRANKLIN | 6.19% | 7.69% |
| 43 | HAMPTON ROADS EDUC CREDIT UNION INC HAMPTON | 6.21% | 5.60% |
| 44 | NORFOLK FIRE DEPARTMENT Norfolk | 6.25% | 2.99% |
| 45 | TOPSIDE DAHLGREN | 6.49% | 6.49% |
| 46 | PFD FIREFIGHTERS CREDIT UNION INC. Portsmouth | 6.50% | 3.50% |
| 47 | RICHMOND VIRGINIA FIRE POLICE CREDI Richmond | 6.54% | 5.16% |
| 48 | AUGUSTA COUNTY VERONA | 6.55% | 6.30% |
| 49 | BEACON CREDIT UNION, INCORPORATED Lynchburg | 6.55% | 6.55% |
| 50 | BAYLANDS FAMILY WEST POINT | 6.62% | 6.24% |
| 51 | SPECTRA ALEXANDRIA | 6.65% | 3.89% |
| 52 | NORTHWEST Herndon | 6.69% | 6.69% |
| 53 | TRUENERGY SPRINGFIELD | 6.71% | 6.71% |
| 54 | UNIVERSITY OF VA COMMUNITY CU Charlottesville | 6.74% | 6.01% |
| 55 | NORTHERN STAR CREDIT UNION, INC. Portsmouth | 6.76% | 5.58% |
| 56 | DUPONT COMMUNITY Waynesboro | 6.79% | 3.29% |
| 57 | LOUDOUN CREDIT UNION Leesburg | 6.81% | 6.12% |
| 58 | YOGAVILLE Buckingham | 6.85% | 5.60% |
| 59 | INFIRST Alexandria | 6.86% | 4.95% |
| 60 | G E A EMPLOYEES Pearisburg | 6.99% | 4.99% |
| 61 | N A E Chesapeake | 6.99% | 5.99% |
| 62 | APPLE Fairfax | 6.99% | 6.49% |
| 63 | HOPEWELL CHEMICAL Hopewell | 7.02% | 4.81% |
| 64 | PARK VIEW Harrisonburg | 7.04% | 4.74% |
| 65 | VIRGINIA UNITED METHODIST North Chesterfi | 7.24% | 6.24% |
| 66 | LANGLEY Newport News | 7.24% | 7.24% |
| 67 | FIRST CARE Roanoke | 7.44% | 4.13% |
| 68 | ABNB Chesapeake | 7.44% | 6.82% |
| 69 | KEMBA ROANOKE SALEM | 7.60% | 6.27% |
| 70 | RVA FINANCIAL Richmond | 7.61% | 6.41% |
| 71 | NEWPORT NEWS MUN. EMP CREDIT UNION Newport News | 7.99% | 3.00% |
| 72 | CREDIT UNION OF RICHMOND INCORPORAT Richmond | 7.99% | 7.74% |
| 73 | JACKSON RIVER COMMUNITY Covington | 8.00% | 5.90% |
| 74 | HIGH STREET BAPTIST CHURCH Roanoke | 8.00% | 6.00% |
| 75 | MIDWAY BERRYVILLE | 8.01% | 5.37% |
| 76 | FREEDOM FIRST Roanoke | 8.12% | 6.93% |
| 77 | MOSAIC Harrisonburg | 8.25% | 7.25% |
| 78 | VA BEACH POSTAL Virginia Beach | 8.28% | 5.40% |
| 79 | LYNCHBURG MUNICIPAL EMPLOYEES Lynchburg | 8.35% | 4.64% |
| 80 | CONNECTS Richmond | 8.92% | 8.92% |
| 81 | ARGENT CHESTERFIELD | 8.99% | 8.99% |
| 82 | FIRST NRV Radford | 8.99% | 8.99% |
| 83 | HALIFAX COUNTY COMMUNITY SOUTH BOSTON | 9.00% | — |
| 84 | TRANSPORTATION Alexandria | 9.24% | 2.99% |
| 85 | PORT OF HAMPTON ROADS ILA NORFOLK | 9.25% | 4.50% |
| 86 | PLANTERS Suffolk | 9.50% | 4.50% |
| 87 | URW COMMUNITY DANVILLE | 9.51% | 6.60% |
| 88 | IBEW LOCAL UNION 80 Norfolk | 12.00% | 5.00% |
| 89 | METROPOLITAN CHURCH SUFFOLK | 12.00% | 12.00% |
| 90 | BRUNSWICK COUNTY TEACHERS Lawrenceville | 12.00% | — |
| 91 | GLAMORGAN EMPLOYEES Lynchburg | 14.28% | 15.50% |
| 92 | PEOPLES ADVANTAGE Petersburg | 18.00% | 3.24% |
Most community credit unions in Virginia accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.