Auto Loans · Richmond, Virginia
7 credit unions in Richmond report car loan rates to the NCUA. Rates range from 4.58% to 8.92%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
4.58%
Lowest New Car Rate
6.40%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CALL ★ 4.3 · 167 reviews | 4.58% | 5.10% |
| 2 | VIRGINIA ★ 3.5 · 72 reviews | 5.00% | 6.00% |
| 3 | RICHMOND VIRGINIA FIRE POLICE CREDI ★ 5.0 · 2 reviews | 5.16% | 6.54% |
| 4 | RVA FINANCIAL ★ 3.9 · 190 reviews | 6.41% | 7.61% |
| 5 | RICHMOND HERITAGE ★ 3.5 · 85 reviews | 6.99% | 3.99% |
| 6 | CREDIT UNION OF RICHMOND INCORPORAT ★ 3.5 · 85 reviews | 7.74% | 7.99% |
| 7 | CONNECTS ★ 3.3 · 40 reviews | 8.92% | 8.92% |
7 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RICHMOND HERITAGE ★ 3.5 · 85 reviews | 3.99% | 6.99% |
| 2 | CALL ★ 4.3 · 167 reviews | 5.10% | 4.58% |
| 3 | VIRGINIA ★ 3.5 · 72 reviews | 6.00% | 5.00% |
| 4 | RICHMOND VIRGINIA FIRE POLICE CREDI ★ 5.0 · 2 reviews | 6.54% | 5.16% |
| 5 | RVA FINANCIAL ★ 3.9 · 190 reviews | 7.61% | 6.41% |
| 6 | CREDIT UNION OF RICHMOND INCORPORAT ★ 3.5 · 85 reviews | 7.99% | 7.74% |
| 7 | CONNECTS ★ 3.3 · 40 reviews | 8.92% | 8.92% |
A pre-approval from a Richmond 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 Richmond in the same window and take the best offer.
See member reviews, branch locations, and full rate details.