Auto Loans · West Virginia
70 credit unions in West Virginia report car loan rates to the NCUA. Rates range from 2.99% to 10.94%.
Updated Q1 2026 · NCUA Call Report data
70
CUs Reporting Rates
2.99%
Lowest New Car Rate
5.68%
State Average Rate
39
Cities Covered
70 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BAYER HERITAGE New Martinsvill | 2.99% | 5.74% |
| 2 | OHIO COUNTY PUBLIC SCHOOLS WHEELING | 3.50% | 3.75% |
| 3 | HUNTINGTON WEST VA FIREMENS Huntington | 4.00% | 6.50% |
| 4 | PACE Huntington | 4.00% | 5.00% |
| 5 | CITY OF FAIRMONT Fairmont | 4.00% | 6.00% |
| 6 | CHA-TEL Charleston | 4.25% | 5.25% |
| 7 | EASTERN PANHANDLE Martinsburg | 4.49% | 5.70% |
| 8 | WILLOW ISLAND Saint Marys | 4.50% | 8.75% |
| 9 | FAIRMONT FAIRMONT | 4.70% | 5.24% |
| 10 | WEST VIRGINIA CENTRAL Parkersburg | 4.75% | 4.75% |
| 11 | UNIVERSAL Huntington | 4.78% | 5.91% |
| 12 | RAVENSWOOD RAVENSWOOD | 4.80% | 6.72% |
| 13 | WV NATIONAL GUARD CHARLESTON | 4.99% | 5.02% |
| 14 | FIRST PRIORITY Huntington | 4.99% | 5.99% |
| 15 | LOCAL NO. 317 I.A.F.F. Charleston | 5.00% | 6.00% |
| 16 | BERKELEY COUNTY PUBLIC SCHOOLS Martinsburg | 5.00% | 5.50% |
| 17 | UNITED HOSPITAL CENTER Bridgeport | 5.00% | 6.00% |
| 18 | HARRISON COUNTY Nutter Fort | 5.00% | 6.00% |
| 19 | TEAMSTERS LOCAL 697 Wheeling | 5.00% | 9.00% |
| 20 | APPALACHIAN POWER EMPLOYEES HUNTINGTON | 5.00% | 8.00% |
| 21 | STRIP STEEL COMMUNITY WEIRTON | 5.00% | 6.50% |
| 22 | U S EMPLOYEES Fairmont | 5.00% | 8.00% |
| 23 | SOUTH CHARLESTON EMPLOYEES South Charlesto | 5.03% | 4.94% |
| 24 | PUTNAM SCHOOL EMPLOYEES ELEANOR | 5.06% | 6.41% |
| 25 | MORGANTOWN A E S Morgantown | 5.10% | 7.13% |
| 26 | ALLOY Alloy | 5.10% | 6.04% |
| 27 | MEMBERS CHOICE WV Charleston | 5.19% | 6.30% |
| 28 | HOME Clarksburg | 5.22% | 6.41% |
| 29 | HOPE Bridgeport | 5.25% | 5.80% |
| 30 | KEMBA CHARLESTON Dunbar | 5.32% | 6.32% |
| 31 | FIRST CHOICE AMERICA COMMUNITY Weirton | 5.39% | 5.49% |
| 32 | UNION TRADES Parkersburg | 5.43% | 7.86% |
| 33 | NATRIUM EMPLOYEES Proctor | 5.49% | 5.50% |
| 34 | PRESTON KINGWOOD | 5.50% | 6.91% |
| 35 | PIONEER APPALACHIA Charleston | 5.51% | 5.79% |
| 36 | MARSHALL COUNTY Moundsville | 5.57% | 5.58% |
| 37 | ONE COMMUNITY Parkersburg | 5.61% | 6.41% |
| 38 | CHHE Huntington | 5.65% | 7.56% |
| 39 | ROMNEY ROMNEY | 5.75% | 7.16% |
| 40 | LONG REACH Middlebourne | 5.75% | 5.90% |
| 41 | THE STATE CHARLESTON | 5.81% | 6.15% |
| 42 | CAMC Charleston | 5.93% | 6.86% |
| 43 | HUNTINGTON C & O RAILWAY EMPLOYEES Huntington | 5.99% | 5.99% |
| 44 | MARTINSBURG V.A. CENTER KEARNEYSVILLE | 6.00% | 5.00% |
| 45 | C C M H Parkersburg | 6.00% | 6.00% |
| 46 | WEE Parkersburg | 6.06% | 7.09% |
| 47 | FAYETTE MOUNT HOPE | 6.10% | 7.18% |
| 48 | THE UNITED Morgantown | 6.14% | 7.79% |
| 49 | CHARLESTON CHARLESTON | 6.25% | 7.00% |
| 50 | CHARLESTON POSTAL CHARLESTON | 6.43% | 7.35% |
| 51 | ELEMENT Charleston | 6.47% | 8.22% |
| 52 | IBEW 317 Huntington | 6.49% | 7.49% |
| 53 | HANCOCK SCHOOL EMP. Weirton | 6.50% | 7.50% |
| 54 | 167TH TFR Martinsburg | 6.50% | 7.50% |
| 55 | METRO COMMUNITY Huntington | 6.50% | 7.64% |
| 56 | ALDERSON FCI Alderson | 6.50% | 7.00% |
| 57 | MARION COUNTY SCHOOL EMPLOYEES Fairmont | 6.50% | 8.00% |
| 58 | WEST VIRGINIA South Charlesto | 6.52% | 6.78% |
| 59 | STAR USA Charleston | 6.60% | 7.05% |
| 60 | CAPE Clarksburg | 6.60% | 7.15% |
| 61 | CITY OF CLARKSBURG CLARKSBURG | 6.63% | 9.00% |
| 62 | WVU EMPLOYEES Morgantown | 6.65% | 7.57% |
| 63 | PEOPLES Nitro | 6.69% | 9.04% |
| 64 | NATIONAL EMPLOYEES BLUEFIELD | 6.75% | 8.75% |
| 65 | MERCER COUNTY W VA TEACHERS Bluefield | 6.99% | 8.99% |
| 66 | RALEIGH CO. EDUCATORS BECKLEY | 7.00% | 8.00% |
| 67 | MOUNTAIN HERITAGE PARKERSBURG | 7.00% | 5.00% |
| 68 | HUNTINGTONIZED Huntington | 7.36% | 9.03% |
| 69 | RALEIGH COUNTY BECKLEY | 7.99% | 8.99% |
| 70 | TWIN OAKS Apple Grove | 10.94% | 11.68% |
71 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | OHIO COUNTY PUBLIC SCHOOLS WHEELING | 3.75% | 3.50% |
| 2 | WEST VIRGINIA CENTRAL Parkersburg | 4.75% | 4.75% |
| 3 | SOUTH CHARLESTON EMPLOYEES South Charlesto | 4.94% | 5.03% |
| 4 | PACE Huntington | 5.00% | 4.00% |
| 5 | MARTINSBURG V.A. CENTER KEARNEYSVILLE | 5.00% | 6.00% |
| 6 | MOUNTAIN HERITAGE PARKERSBURG | 5.00% | 7.00% |
| 7 | WV NATIONAL GUARD CHARLESTON | 5.02% | 4.99% |
| 8 | FAIRMONT FAIRMONT | 5.24% | 4.70% |
| 9 | CHA-TEL Charleston | 5.25% | 4.25% |
| 10 | FIRST CHOICE AMERICA COMMUNITY Weirton | 5.49% | 5.39% |
| 11 | BERKELEY COUNTY PUBLIC SCHOOLS Martinsburg | 5.50% | 5.00% |
| 12 | NATRIUM EMPLOYEES Proctor | 5.50% | 5.49% |
| 13 | MARSHALL COUNTY Moundsville | 5.58% | 5.57% |
| 14 | EASTERN PANHANDLE Martinsburg | 5.70% | 4.49% |
| 15 | BAYER HERITAGE New Martinsvill | 5.74% | 2.99% |
| 16 | PIONEER APPALACHIA Charleston | 5.79% | 5.51% |
| 17 | HOPE Bridgeport | 5.80% | 5.25% |
| 18 | LONG REACH Middlebourne | 5.90% | 5.75% |
| 19 | UNIVERSAL Huntington | 5.91% | 4.78% |
| 20 | FIRST PRIORITY Huntington | 5.99% | 4.99% |
| 21 | HUNTINGTON C & O RAILWAY EMPLOYEES Huntington | 5.99% | 5.99% |
| 22 | CITY OF FAIRMONT Fairmont | 6.00% | 4.00% |
| 23 | LOCAL NO. 317 I.A.F.F. Charleston | 6.00% | 5.00% |
| 24 | UNITED HOSPITAL CENTER Bridgeport | 6.00% | 5.00% |
| 25 | HARRISON COUNTY Nutter Fort | 6.00% | 5.00% |
| 26 | C C M H Parkersburg | 6.00% | 6.00% |
| 27 | ALLOY Alloy | 6.04% | 5.10% |
| 28 | THE STATE CHARLESTON | 6.15% | 5.81% |
| 29 | W. VIRGINIA STATE CONVENTION Hilltop | 6.25% | — |
| 30 | MEMBERS CHOICE WV Charleston | 6.30% | 5.19% |
| 31 | KEMBA CHARLESTON Dunbar | 6.32% | 5.32% |
| 32 | PUTNAM SCHOOL EMPLOYEES ELEANOR | 6.41% | 5.06% |
| 33 | HOME Clarksburg | 6.41% | 5.22% |
| 34 | ONE COMMUNITY Parkersburg | 6.41% | 5.61% |
| 35 | HUNTINGTON WEST VA FIREMENS Huntington | 6.50% | 4.00% |
| 36 | STRIP STEEL COMMUNITY WEIRTON | 6.50% | 5.00% |
| 37 | RAVENSWOOD RAVENSWOOD | 6.72% | 4.80% |
| 38 | WEST VIRGINIA South Charlesto | 6.78% | 6.52% |
| 39 | CAMC Charleston | 6.86% | 5.93% |
| 40 | PRESTON KINGWOOD | 6.91% | 5.50% |
| 41 | CHARLESTON CHARLESTON | 7.00% | 6.25% |
| 42 | ALDERSON FCI Alderson | 7.00% | 6.50% |
| 43 | STAR USA Charleston | 7.05% | 6.60% |
| 44 | WEE Parkersburg | 7.09% | 6.06% |
| 45 | MORGANTOWN A E S Morgantown | 7.13% | 5.10% |
| 46 | CAPE Clarksburg | 7.15% | 6.60% |
| 47 | ROMNEY ROMNEY | 7.16% | 5.75% |
| 48 | FAYETTE MOUNT HOPE | 7.18% | 6.10% |
| 49 | CHARLESTON POSTAL CHARLESTON | 7.35% | 6.43% |
| 50 | IBEW 317 Huntington | 7.49% | 6.49% |
| 51 | HANCOCK SCHOOL EMP. Weirton | 7.50% | 6.50% |
| 52 | 167TH TFR Martinsburg | 7.50% | 6.50% |
| 53 | CHHE Huntington | 7.56% | 5.65% |
| 54 | WVU EMPLOYEES Morgantown | 7.57% | 6.65% |
| 55 | METRO COMMUNITY Huntington | 7.64% | 6.50% |
| 56 | THE UNITED Morgantown | 7.79% | 6.14% |
| 57 | UNION TRADES Parkersburg | 7.86% | 5.43% |
| 58 | APPALACHIAN POWER EMPLOYEES HUNTINGTON | 8.00% | 5.00% |
| 59 | U S EMPLOYEES Fairmont | 8.00% | 5.00% |
| 60 | MARION COUNTY SCHOOL EMPLOYEES Fairmont | 8.00% | 6.50% |
| 61 | RALEIGH CO. EDUCATORS BECKLEY | 8.00% | 7.00% |
| 62 | ELEMENT Charleston | 8.22% | 6.47% |
| 63 | WILLOW ISLAND Saint Marys | 8.75% | 4.50% |
| 64 | NATIONAL EMPLOYEES BLUEFIELD | 8.75% | 6.75% |
| 65 | MERCER COUNTY W VA TEACHERS Bluefield | 8.99% | 6.99% |
| 66 | RALEIGH COUNTY BECKLEY | 8.99% | 7.99% |
| 67 | TEAMSTERS LOCAL 697 Wheeling | 9.00% | 5.00% |
| 68 | CITY OF CLARKSBURG CLARKSBURG | 9.00% | 6.63% |
| 69 | HUNTINGTONIZED Huntington | 9.03% | 7.36% |
| 70 | PEOPLES Nitro | 9.04% | 6.69% |
| 71 | TWIN OAKS Apple Grove | 11.68% | 10.94% |
Most community credit unions in West 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.