Auto Loans · Roanoke, Virginia
5 credit unions in Roanoke report car loan rates to the NCUA. Rates range from 4.13% to 6.93%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.13%
Lowest New Car Rate
5.26%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST CARE ★ 4.1 · 9 reviews | 4.13% | 7.44% |
| 2 | BLUE EAGLE ★ 4.9 · 513 reviews | 4.25% | 4.25% |
| 3 | ROANOKE VALLEY COMMUNITY ★ 4.3 · 106 reviews | 4.99% | 5.49% |
| 4 | HIGH STREET BAPTIST CHURCH ★ 4.5 · 21 reviews | 6.00% | 8.00% |
| 5 | FREEDOM FIRST ★ 3.6 · 36 reviews | 6.93% | 8.12% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BLUE EAGLE ★ 4.9 · 513 reviews | 4.25% | 4.25% |
| 2 | ROANOKE VALLEY COMMUNITY ★ 4.3 · 106 reviews | 5.49% | 4.99% |
| 3 | FIRST CARE ★ 4.1 · 9 reviews | 7.44% | 4.13% |
| 4 | HIGH STREET BAPTIST CHURCH ★ 4.5 · 21 reviews | 8.00% | 6.00% |
| 5 | FREEDOM FIRST ★ 3.6 · 36 reviews | 8.12% | 6.93% |
A pre-approval from a Roanoke 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 Roanoke in the same window and take the best offer.
See member reviews, branch locations, and full rate details.