MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Virginia
  6. ›
  7. Charlotte Court House
  8. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Auto Loan Rates in Charlotte Court House, Virginia (VA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Charlotte Court House, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 17, 2026

Current auto loan rates in Charlotte Court House, Virginia include Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, TruEnergy Federal Credit UnionTruEnergy Federal Credit UnionA5.0 ★Texas Ratio: 8.31% offering New Vehicles at 2.74%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 8.27% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.52% offering Auto Loan at 3.24%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans 2026 & Newer at 3.24%. Auto loan rates as of April 17, 2026 according to verified data from MonitorBankRates.

Charlotte Court House borrowers have access to 52 lenders serving the Virginia area, with auto loan rates as low as 2.49% APR from Richmond Heritage Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Charlotte Court House, Virginia. Auto Loan Rates Last Updated and Verified: April 17, 2026

Compare Auto Loan Rates Today in Charlotte Court House, Virginia & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 11, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60
View
▼
APR2.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60
View
▼
APR2.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 11, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 11, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 11, 2026
Details

As Low As

United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
Used Car/Bus/Van
3.34%
36-72 months
View
▼
APR3.34%
Term36-72 months
Last UpdatedApr 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 11, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
View
▼
APR3.49%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2023
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72
View
▼
APR3.74%
Term61 to 72
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72
View
▼
APR3.74%
Term61 to 72
Last UpdatedApr 11, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
View
▼
APR3.74%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 11, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
View
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48 months
View
▼
APR3.99%
Term0 - 48 months
Last UpdatedApr 6, 2026
Details

As Low As

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
New Vehicle
3.99%
0 - 36
View
▼
APR3.99%
Term0 - 36
Last UpdatedApr 6, 2026
Details

As Low As

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan (2021 and newer)
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 8, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
View
▼
APR3.99%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As; APR - 2026 & Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedApr 14, 2026
Details

As Low As

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicles
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 4, 2026
Details

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 14, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 5, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 8, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 14, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 4, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.24%
12-36
View
▼
APR4.24%
Term12-36
Last UpdatedApr 5, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.24%
12-36
View
▼
APR4.24%
Term12-36
Last UpdatedApr 5, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
View
▼
APR4.24%
Term61-66
Last UpdatedApr 8, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
View
▼
APR4.24%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 11, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 11, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedApr 14, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.29%
Up to 36 months
View
▼
APR4.29%
TermUp to 36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedApr 14, 2026
Details

As Low As

United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
Used Car/Bus/Van
4.34%
36-72 months
View
▼
APR4.34%
Term36-72 months
Last UpdatedApr 6, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
View
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 11, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to 72 months

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.49%
4 Years
View
▼
APR4.49%
Term4 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Used Vehicle
4.49%
0 - 36
View
▼
APR4.49%
Term0 - 36
Last UpdatedApr 6, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
View
▼
APR4.49%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2023 - 2025
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedApr 6, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
4.50%
36-60
View
▼
APR4.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 13, 2026
Details

As Low As; Up to 84 Months

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 14, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
View
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 14, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
View
▼
APR4.60%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 11, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 11, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedApr 5, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60
View
▼
APR4.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60
View
▼
APR4.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
View
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
View
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 11, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedApr 5, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
View
▼
APR4.74%
Term67-72
Last UpdatedApr 8, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
View
▼
APR4.74%
Term61-66
Last UpdatedApr 8, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 13, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2022 - 2020
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120
View
▼
APR4.75%
Term36 - 120
Last UpdatedApr 8, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedApr 14, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 14, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedApr 14, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 14, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
View
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $7,000 loan

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 5, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 5, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $15,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 11, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
View
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2023 - current
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $7,000 loan

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New Autos
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 4, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.99%
64 -75
View
▼
APR4.99%
Term64 -75
Last UpdatedApr 5, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.99%
64-75
View
▼
APR4.99%
Term64-75
Last UpdatedApr 5, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.99%
6 Years
View
▼
APR4.99%
Term6 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
View
▼
APR4.99%
Term12-60
Last UpdatedApr 6, 2026
Details

New Auto, 12-60 Month Term

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
New Vehicle
4.99%
37 - 48
View
▼
APR4.99%
Term37 - 48
Last UpdatedApr 6, 2026
Details

As Low As

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 6, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As; APR - 2023 - 2025*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2023 - 2025
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
4.99%
76 - 84 Months
View
▼
APR4.99%
Term76 - 84 Months
Last UpdatedApr 8, 2026
Details

As Low As

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 9, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 13, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 13, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 11, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 11, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 2026
Details

As Low As

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
New Auto
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 5, 2026
Details

As Low As; depends on creditworthiness.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2020-2022 Auto Loan
5.00%
36-60
View
▼
APR5.00%
Term36-60
Last UpdatedApr 8, 2026
Details

90 % NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 9, 2026
Details

Up to 96 Month Term

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
2026 - 2020 Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 13, 2026
Details

As Low As; Up to 84 Months

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 14, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.04%
0-60
View
▼
APR5.04%
Term0-60
Last UpdatedApr 5, 2026
Details

2020 - Present

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
5.04%
4 Years
View
▼
APR5.04%
Term4 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
View
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.09%
37 - 48 months
View
▼
APR5.09%
Term37 - 48 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
5.09%
5 Years
View
▼
APR5.09%
Term5 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to $25,000

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 14, 2026
Details

As Low As

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.14%
61-66
View
▼
APR5.14%
Term61-66
Last UpdatedApr 5, 2026
Details

2020 - Present

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120
View
▼
APR5.15%
Term36 - 120
Last UpdatedApr 8, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 11, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
36 months
View
▼
APR5.19%
Term36 months
Last UpdatedApr 11, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedApr 5, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedApr 5, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 14, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 11, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 84 months
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 11, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 11, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60
View
▼
APR2.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60
View
▼
APR2.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 11, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto Loan
3.25%
12-60
View
▼
APR3.25%
Term12-60
Last UpdatedApr 11, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 11, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
View
▼
APR3.49%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72
View
▼
APR3.74%
Term61 to 72
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72
View
▼
APR3.74%
Term61 to 72
Last UpdatedApr 11, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
View
▼
APR3.74%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 11, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
View
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
New Vehicle
3.99%
0 - 36
View
▼
APR3.99%
Term0 - 36
Last UpdatedApr 6, 2026
Details

As Low As

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan (2021 and newer)
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicles
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 4, 2026
Details

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 14, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 5, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 8, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedApr 14, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedApr 4, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.24%
12-36
View
▼
APR4.24%
Term12-36
Last UpdatedApr 5, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
View
▼
APR4.24%
Term61-66
Last UpdatedApr 8, 2026
Details

As Low As

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto Loan
4.25%
72-120
View
▼
APR4.25%
Term72-120
Last UpdatedApr 11, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedApr 14, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 11, 2026
Details

As Low As

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
View
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 11, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.49%
4 Years
View
▼
APR4.49%
Term4 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedApr 6, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 13, 2026
Details

As Low As; Up to 84 Months

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 14, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
View
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedApr 14, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.59%
48 months
View
▼
APR4.59%
Term48 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
View
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 11, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedApr 5, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
View
▼
APR4.74%
Term67-72
Last UpdatedApr 8, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 13, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120
View
▼
APR4.75%
Term36 - 120
Last UpdatedApr 8, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedApr 14, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 11, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 14, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 months
View
▼
APR4.89%
Term60 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $7,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $15,000

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 11, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
View
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 11, 2026
Details

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New Autos
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 4, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
New Auto Loans
4.99%
64 -75
View
▼
APR4.99%
Term64 -75
Last UpdatedApr 5, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2025 & newer

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
New Auto - FIXED
4.99%
6 Years
View
▼
APR4.99%
Term6 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
New Vehicle
4.99%
37 - 48
View
▼
APR4.99%
Term37 - 48
Last UpdatedApr 6, 2026
Details

As Low As

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 6, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
4.99%
76 - 84 Months
View
▼
APR4.99%
Term76 - 84 Months
Last UpdatedApr 8, 2026
Details

As Low As

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 9, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 13, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 11, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 2026
Details

As Low As

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
New Auto
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 5, 2026
Details

As Low As; depends on creditworthiness.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 9, 2026
Details

Up to 96 Month Term

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedApr 14, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.09%
37 - 48 months
View
▼
APR5.09%
Term37 - 48 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to $25,000

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedApr 14, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedApr 5, 2026
Details

As Low As; Model Year: 2025 and newer

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedApr 5, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 11, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 84 months
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 11, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedApr 11, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedApr 11, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
Used Car/Bus/Van
3.34%
36-72 months
View
▼
APR3.34%
Term36-72 months
Last UpdatedApr 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 11, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2023
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
View
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
View
▼
APR3.99%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedApr 14, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedApr 14, 2026
Details

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedApr 8, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.24%
12-36
View
▼
APR4.24%
Term12-36
Last UpdatedApr 5, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
View
▼
APR4.24%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.29%
Up to 36 months
View
▼
APR4.29%
TermUp to 36 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedApr 14, 2026
Details

As Low As

United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
Used Car/Bus/Van
4.34%
36-72 months
View
▼
APR4.34%
Term36-72 months
Last UpdatedApr 6, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 11, 2026
Details

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Used Vehicle
4.49%
0 - 36
View
▼
APR4.49%
Term0 - 36
Last UpdatedApr 6, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
View
▼
APR4.49%
Term0-48
Last UpdatedApr 8, 2026
Details

As Low As

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 14, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
View
▼
APR4.60%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 5, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60
View
▼
APR4.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60
View
▼
APR4.74%
TermUp to 60
Last UpdatedApr 11, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
View
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedApr 11, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.74%
49-63
View
▼
APR4.74%
Term49-63
Last UpdatedApr 5, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedApr 8, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
View
▼
APR4.74%
Term61-66
Last UpdatedApr 8, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
4.75%
75 Months
View
▼
APR4.75%
Term75 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2023 or newer; Limited time offer

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2022 - 2020
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details

Loan rate starting at..., based on credit score.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 14, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $1,000 loan

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedApr 14, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedApr 14, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
View
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedApr 5, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 11, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 11, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 11, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 11, 2026
Details

As Low As; - Minimum of $7,000 loan

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
Used Auto Loans
4.99%
64-75
View
▼
APR4.99%
Term64-75
Last UpdatedApr 5, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details

As Low As; 2020-2025

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedApr 6, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 13, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedApr 11, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 2026
Details

As Low As

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used Vehicles
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedApr 9, 2026
Details

Up to 96 Month Term

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
5.04%
4 Years
View
▼
APR5.04%
Term4 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
View
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
Used Auto / Refi - FIXED
5.09%
5 Years
View
▼
APR5.09%
Term5 Years
Last UpdatedApr 6, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
View
▼
APR5.10%
Term66 Months
Last UpdatedApr 11, 2026
Details

As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120
View
▼
APR5.15%
Term36 - 120
Last UpdatedApr 8, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedApr 5, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedApr 14, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 11, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 11, 2026
Details

As Low As; Maximum: $75,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New & Used Auto Loan Refinance
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 11, 2026
Details

Vehicle model years 2020-2022; Limited time offer

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedApr 11, 2026
Details

As Low As

Charlotte Court House, VA Auto Loan Rate Trends

Compare local Charlotte Court House, VA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Virginia Auto Trends →
New Auto Loan — VA Avg
5.876%
▲ 0.002 vs 7 days ago

Virginia new auto rates rose 0.002 points over the past 7 days to 5.876% APR.

Used Auto Loan — VA Avg
6.609%
▲ 0.009 vs 7 days ago

Virginia used auto rates rose 0.009 points over the past 7 days to 6.609% APR.

As of Apr 17, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Charlotte Court House, Virginia

How does my credit score affect my car loan rate in Virginia?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Charlotte Court House, Virginia with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Virginia *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Charlotte Court House, Virginia typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Charlotte Court House, Virginia?

Based on our current data, some of the lowest auto loan rates available in Charlotte Court House, Virginia include:
  • Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
  • TruEnergy Federal Credit Union: 2.74% (New Vehicles)
  • Central Virginia Federal Credit Union: 2.99% (New Auto)
  • Park View Federal Credit Union: 3.24% (Auto Loan)
  • Baxter Credit Union: 3.24% (Auto Loans 2026 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Charlotte Court House, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 17, 2026

Charlotte Court House, Virginia Rates & Resources

$
Charlotte Court House, Virginia CD Rates
$
Charlotte Court House, Virginia Savings Rates
$
Charlotte Court House, Virginia Money Market Rates
$
Charlotte Court House, Virginia Mortgage Rates
$
Charlotte Court House, Virginia Checking Account Rates
$
Charlotte Court House, Virginia Personal Loan Rates