Auto Loans · Portsmouth, Virginia
2 credit unions in Portsmouth report car loan rates to the NCUA. Rates range from 3.50% to 5.58%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.50%
Lowest New Car Rate
4.54%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PFD FIREFIGHTERS CREDIT UNION INC. ★ 4.5 · 8 reviews | 3.50% | 6.50% |
| 2 | NORTHERN STAR CREDIT UNION, INC. ★ 3.1 · 62 reviews | 5.58% | 6.76% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PFD FIREFIGHTERS CREDIT UNION INC. ★ 4.5 · 8 reviews | 6.50% | 3.50% |
| 2 | NORTHERN STAR CREDIT UNION, INC. ★ 3.1 · 62 reviews | 6.76% | 5.58% |
A pre-approval from a Portsmouth 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 Portsmouth in the same window and take the best offer.
See member reviews, branch locations, and full rate details.