Auto Loans · Morgantown, West Virginia
3 credit unions in Morgantown report car loan rates to the NCUA. Rates range from 5.10% to 6.65%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.10%
Lowest New Car Rate
5.96%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MORGANTOWN A E S ★ 3.7 · 18 reviews | 5.10% | 7.13% |
| 2 | THE UNITED ★ 5.0 · 1 reviews | 6.14% | 7.79% |
| 3 | WVU EMPLOYEES ★ 4.5 · 22 reviews | 6.65% | 7.57% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MORGANTOWN A E S ★ 3.7 · 18 reviews | 7.13% | 5.10% |
| 2 | WVU EMPLOYEES ★ 4.5 · 22 reviews | 7.57% | 6.65% |
| 3 | THE UNITED ★ 5.0 · 1 reviews | 7.79% | 6.14% |
A pre-approval from a Morgantown 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 Morgantown in the same window and take the best offer.
See member reviews, branch locations, and full rate details.