Auto Loans · Salem, Virginia
2 credit unions in Salem report car loan rates to the NCUA. Rates range from 5.00% to 6.27%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.00%
Lowest New Car Rate
5.64%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SALEM VA MEDICAL CENTER ★ 2.7 · 15 reviews | 5.00% | 5.00% |
| 2 | KEMBA ROANOKE ★ 4.1 · 15 reviews | 6.27% | 7.60% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SALEM VA MEDICAL CENTER ★ 2.7 · 15 reviews | 5.00% | 5.00% |
| 2 | KEMBA ROANOKE ★ 4.1 · 15 reviews | 7.60% | 6.27% |
A pre-approval from a Salem 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 Salem in the same window and take the best offer.
See member reviews, branch locations, and full rate details.