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Auto Loan Rates in Clear Brook, Virginia (VA) for June 2026

Current auto loan rates in Clear Brook, Virginia include Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 7.87% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.50% offering New Auto Loan at 3.24%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.92% offering New and Used Vehicles Loan at 3.49%, Virginia Beach Postal Federal Credit UnionVirginia Beach Postal Federal Credit UnionA+5.0 ★Texas Ratio: 0.01% offering NEW AUTOS at 3.50%, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit UnionA-5.0 ★Texas Ratio: 12.83% offering Auto Loan at 3.89%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.

Clear Brook borrowers have access to 44 lenders serving the Virginia area, with auto loan rates as low as 2.99% APR from Central Virginia 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 Clear Brook, Virginia. Auto Loan Rates Last Updated and Verified: June 16, 2026

Compare Auto Loan Rates Today in Clear Brook, Virginia & Surrounding Area

Clear Brook Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
2.99%
Up to 36 months
APR2.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
2.99%
Up to 36 months
APR2.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
3.24%
0-36 months
APR3.24%
Term0-36 months
Last UpdatedJun 16, 2026
Details

As Low As; 13.99%

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedJun 16, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
3.89%
Up to 36 months
APR3.89%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As*

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
3.99%
Up to 60 Months
APR3.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
3.99%
37-48 months
APR3.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As; 14.49%

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
Auto Loans
3.99%
48 months
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

APR up to 15.00%

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
APR3.99%
Term36-60 months
Last UpdatedJun 16, 2026
Details

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.00%
36 months
APR4.00%
Term36 months
Last UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details

As Low As; 2026 & Newer

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.20%
36 Months
APR4.20%
Term36 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.20%
Up to 36 months
APR4.20%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.24%
up to 36 months
APR4.24%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.24%
Up to 36 months
APR4.24%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
4.24%
Up to 36 months
APR4.24%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

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

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 2 Years
4.25%
2 Years
APR4.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
APR4.29%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As*

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
4.29%
72 months
APR4.29%
Term72 months
Last UpdatedJun 16, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
4.39%
37 - 48 months
APR4.39%
Term37 - 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.40%
Up to 48 months
APR4.40%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.49%
up to 48 months
APR4.49%
Termup to 48 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.49%
Up to 48 months
APR4.49%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
APR4.50%
Termup to 6 yrs
Last UpdatedJun 16, 2026
Details

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans
4.50%
48 Months
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details

48 Months as low as 4.50% APR*

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.50%
48 months
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
4.52%
49 - 60 months
APR4.52%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.59%
48 months
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.60%
36 months
APR4.60%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.69%
60 months
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2025
4.69%
up to 36 mos
APR4.69%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
APR4.69%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $2,500+

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.70%
Up to 60 months
APR4.70%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.74%
up to 60 months
APR4.74%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 36 months
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 16, 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.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.74%
Up to 60 months
APR4.74%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
4.74%
61 - 72 months
APR4.74%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Summer Sizzler Auto Loan
4.74%
up to 84 months
APR4.74%
Termup to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; First payment may be deferred for up to 90 days. Interest will continue to accrue from the date of loan disbursal and be due once payments begin. Speak with a Signal team member for complete details. Membership required. Qualified applicants that open a new Visa Platinum Rewards credit card and a vehicle loan during the promo period will receive a 5,000 reward points bonus to their credit card rewards account. Qualified applicants that open a new Visa Signature Cash Back credit card and a vehicle loan during the promo period will receive a $50 cash back reward bonus to their credit card rewards account. Bonus rewards will be granted to qualified applicants 45 days after the promo end date. Credit card must be activated in order to receive bonus rewards. Membership required. APR=Annual Percentage Rate. Rates as of June 16, 2026. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account which results in a 0.25% APR discount, and an additional 0.25% promotional discount for Auto Loan applications entered during May 18, 2026 to July 6, 2026 promotional period. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Signal Smart Plus and promotional discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score and other underwriting factors. Maximum financed amount is determined by your credit score and a down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Membership required.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 48 months
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
4.74%
Up to 60 Months
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans New
4.74%
12 to 36 Months
APR4.74%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 13.74%

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
4.74%
49-60 months
APR4.74%
Term49-60 months
Last UpdatedJun 16, 2026
Details

As Low As; 15.24%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 3 Years
4.75%
3 Years
APR4.75%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
4.75%
36 Months
APR4.75%
Term36 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
4.75%
36-84 months
APR4.75%
Term36-84 months
Last UpdatedJun 16, 2026
Details

As Low As; up to 120%

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2024
4.79%
up to 36 mos
APR4.79%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
APR4.79%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As*

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
4.79%
84 months
APR4.79%
Term84 months
Last UpdatedJun 16, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
4.84%
37 - 48 months
APR4.84%
Term37 - 48 months
Last UpdatedJun 16, 2026
Details

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

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans
4.85%
60 Months
APR4.85%
Term60 Months
Last UpdatedJun 16, 2026
Details

60 Months as low as 4.85% APR*

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.85%
60 months
APR4.85%
Term60 months
Last UpdatedJun 16, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
4.87%
49 - 60 months
APR4.87%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2023
4.89%
up to 36 mos
APR4.89%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2026
4.89%
up to 36 mos
APR4.89%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
APR4.89%
Term36 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $2,500+

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
4.90%
36-84 months
APR4.90%
Term36-84 months
Last UpdatedJun 16, 2026
Details

As Low As; up to 120%

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.90%
Up to 72 months
APR4.90%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.94%
48 months
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.99%
up to 72 months
APR4.99%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $15,000

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 48 months
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 16, 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.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.99%
Up to 72 months
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New Automobile greater than
4.99%
60 - 84 months
APR4.99%
Term60 - 84 months
Last UpdatedJun 16, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000; 125.00% Amount Financed; Fixed

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Used Car Loan
4.99%
60 - 96 months
APR4.99%
Term60 - 96 months
Last UpdatedJun 16, 2026
Details

Model Year: 2023 - current

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 60 months
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 75 months
4.99%
Up to 75 months
APR4.99%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As*

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
4.99%
61 to 72 Months
APR4.99%
Term61 to 72 Months
Last UpdatedJun 16, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
4.99%
Up to 66 months
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
4.99%
Up to 66 months
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto Loan
4.99%
12-60 Month Term
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details

Annual Percentage Rates shown are "as low as".

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New and Used Autos
4.99%
flexible terms available
APR4.99%
Termflexible terms available
Last UpdatedJun 16, 2026
Details

As Low As; 100% financing

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 4 Years
5.00%
4 Years
APR5.00%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Auto Loan
5.00%
60 Months
APR5.00%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; depends on creditworthiness.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.04%
60 months
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
5.04%
37 - 48 months
APR5.04%
Term37 - 48 months
Last UpdatedJun 16, 2026
Details

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

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans 2020 - Present
5.04%
0-60 Months
APR5.04%
Term0-60 Months
Last UpdatedJun 16, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
5.09%
61 - 72 months
APR5.09%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2022
5.09%
up to 36 mos
APR5.09%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.10%
60 Months
APR5.10%
Term60 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto Loan
5.10%
66 Months
APR5.10%
Term66 Months
Last UpdatedJun 16, 2026
Details

Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Same as New Auto Loan
5.10%
66 Months
APR5.10%
Term66 Months
Last UpdatedJun 16, 2026
Details

As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details

As Low As; 2023 - 2025*

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans 2020 - Present
5.14%
61-66 Months
APR5.14%
Term61-66 Months
Last UpdatedJun 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.19%
48 months
APR5.19%
Term48 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $2,500+

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
5.19%
61-72 months
APR5.19%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As; 15.99%

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
5.20%
48 Months
APR5.20%
Term48 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
5.20%
Up to 84 months
APR5.20%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Car Loans
5.23%
72 months
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details

Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
5.24%
up to 84 months
APR5.24%
Termup to 84 months
Last UpdatedJun 16, 2026
Details

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

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 60 months
5.24%
60 months
APR5.24%
Term60 months
Last UpdatedJun 16, 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.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
New Vehicles - 36 Months Loan
5.24%
36 Months
APR5.24%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
5.24%
84 months
APR5.24%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
5.24%
Up to 72 months
APR5.24%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos
5.24%
Up to 48 months
APR5.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
APR5.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 66 months
5.24%
Up to 66 months
APR5.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans Used
5.24%
12 to 36 Months
APR5.24%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 14.24%

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans 2020 - Present
5.24%
67-75 Months
APR5.24%
Term67-75 Months
Last UpdatedJun 16, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
5.24%
61 - 66 months
APR5.24%
Term61 - 66 months
Last UpdatedJun 16, 2026
Details

APR up to 17.00%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 5 Years
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 2 Years
5.25%
2 Years
APR5.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
up to 72 months
APR5.25%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
up to 72 months
APR5.25%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024 - over $12,000. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2024
5.29%
37-63 mos
APR5.29%
Term37-63 mos
Last UpdatedJun 16, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2025
5.29%
37-63 mos
APR5.29%
Term37-63 mos
Last UpdatedJun 16, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
APR5.29%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As*

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
APR5.35%
Term24 months
Last UpdatedJun 16, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2023
5.39%
37-63 mos
APR5.39%
Term37-63 mos
Last UpdatedJun 16, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2026
5.39%
37-63 mos
APR5.39%
Term37-63 mos
Last UpdatedJun 16, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
5.39%
49 - 60 months
APR5.39%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

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

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.39%
60 months
APR5.39%
Term60 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $5,000+

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.40%
72 Months
APR5.40%
Term72 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
New and Used Vehicle Loans
5.49%
60 Months
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; [1]

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
New Car Loans
5.49%
12-36
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Used Car Loans (2024 and Older)
5.49%
12-36
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 72 months
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedJun 16, 2026
Details

As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.49%
Up to 36 Months
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2025
5.49%
64-75 mos
APR5.49%
Term64-75 mos
Last UpdatedJun 16, 2026
Details

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Used Car Loan
5.49%
60 - 84 months
APR5.49%
Term60 - 84 months
Last UpdatedJun 16, 2026
Details

Model Year: 2022 - 2021

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Model Year Auto Loan
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2024 Model Year Auto Loan
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2025 Model Year Auto Loan
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2026 Model Year Auto Loan
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.49%
up to 48 months
APR5.49%
Termup to 48 months
Last UpdatedJun 16, 2026
Details

As Low As*

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
5.49%
49 - 60 months
APR5.49%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

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

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $2,500+

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New & Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New and Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
5.49%
Up to 75 months
APR5.49%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
5.49%
Up to 75 months
APR5.49%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
5.49%
67 - 75 months
APR5.49%
Term67 - 75 months
Last UpdatedJun 16, 2026
Details

APR up to 18.00%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 6 Years
5.50%
6 Years
APR5.50%
Term6 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 3 Years
5.50%
3 Years
APR5.50%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Classic Vehicle Loans
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details

The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto 2013-2018
5.50%
66 Months
APR5.50%
Term66 Months
Last UpdatedJun 16, 2026
Details

Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto Loan
5.50%
66 Months
APR5.50%
Term66 Months
Last UpdatedJun 16, 2026
Details

Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
APR5.50%
Termup to 7 yrs
Last UpdatedJun 16, 2026
Details

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
APR5.50%
Termup to 6 yrs
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.52%
72 months*
APR5.52%
Term72 months*
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
Used Automobile 100% Or Less Financing
5.54%
48 months
APR5.54%
Term48 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Auto Loan
5.54%
73 - 84 months
APR5.54%
Term73 - 84 months
Last UpdatedJun 16, 2026
Details

As Low As; Fixed APR*

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
5.54%
61 - 72 months
APR5.54%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details

As Low As; - Minimum of $15,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
5.54%
73-84 months
APR5.54%
Term73-84 months
Last UpdatedJun 16, 2026
Details

As Low As; 16.99%

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
APR5.55%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details

As Low As; under 10,000 miles

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.59%
Up to 60 Months
APR5.59%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2022
5.59%
37-63 mos
APR5.59%
Term37-63 mos
Last UpdatedJun 16, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2024
5.59%
64-75 mos
APR5.59%
Term64-75 mos
Last UpdatedJun 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.59%
72 months
APR5.59%
Term72 months
Last UpdatedJun 16, 2026
Details

Loan Amount: $15,000+

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.60%
48 months
APR5.60%
Term48 months
Last UpdatedJun 16, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Model Year Auto Loan
5.60%
60 months
APR5.60%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2024 Model Year Auto Loan
5.60%
60 months
APR5.60%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2025 Model Year Auto Loan
5.60%
60 months
APR5.60%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2026 Model Year Auto Loan
5.60%
60 months
APR5.60%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Rate (APR as low as)

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
New Vehicles - 60 Months Loan
5.64%
60 Months
APR5.64%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Used Vehicles - 36 Months Loan
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; Used Vehicles

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.67%
84 months**
APR5.67%
Term84 months**
Last UpdatedJun 16, 2026
Details

As Low As

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2026
5.69%
64-75 mos
APR5.69%
Term64-75 mos
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 84 months
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.74%
Up to 66 Months
APR5.74%
TermUp to 66 Months
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
Used Automobile 100% Or Less Financing
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
5.74%
Up to 72 months
APR5.74%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos
5.74%
Up to 60 months
APR5.74%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
5.74%
61 to 72 Months
APR5.74%
Term61 to 72 Months
Last UpdatedJun 16, 2026
Details

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans New
5.74%
37 to 48 Months
APR5.74%
Term37 to 48 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 14.74%

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 4 Years
5.75%
4 Years
APR5.75%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Clear Brook New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
2.99%
Up to 36 months
APR2.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
3.24%
0-36 months
APR3.24%
Term0-36 months
Last UpdatedJun 16, 2026
Details

As Low As; 13.99%

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As*

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
3.99%
Up to 60 Months
APR3.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
3.99%
37-48 months
APR3.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As; 14.49%

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

APR up to 15.00%

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.00%
36 months
APR4.00%
Term36 months
Last UpdatedJun 16, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.20%
36 Months
APR4.20%
Term36 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.20%
Up to 36 months
APR4.20%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.24%
up to 36 months
APR4.24%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.24%
Up to 36 months
APR4.24%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 2 Years
4.25%
2 Years
APR4.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
APR4.29%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As*

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.40%
Up to 48 months
APR4.40%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.49%
up to 48 months
APR4.49%
Termup to 48 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.49%
Up to 48 months
APR4.49%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
APR4.50%
Termup to 6 yrs
Last UpdatedJun 16, 2026
Details

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.50%
48 months
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.59%
48 months
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.69%
60 months
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.70%
Up to 60 months
APR4.70%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.74%
up to 60 months
APR4.74%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $5,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.74%
Up to 60 months
APR4.74%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
4.74%
Up to 60 Months
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans New
4.74%
12 to 36 Months
APR4.74%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 13.74%

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
4.74%
49-60 months
APR4.74%
Term49-60 months
Last UpdatedJun 16, 2026
Details

As Low As; 15.24%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 3 Years
4.75%
3 Years
APR4.75%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
4.75%
36-84 months
APR4.75%
Term36-84 months
Last UpdatedJun 16, 2026
Details

As Low As; up to 120%

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
APR4.79%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As*

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
4.84%
37 - 48 months
APR4.84%
Term37 - 48 months
Last UpdatedJun 16, 2026
Details

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

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.85%
60 months
APR4.85%
Term60 months
Last UpdatedJun 16, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
4.90%
Up to 72 months
APR4.90%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
4.99%
up to 72 months
APR4.99%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Minimum loan of $15,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.99%
Up to 72 months
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New Automobile greater than
4.99%
60 - 84 months
APR4.99%
Term60 - 84 months
Last UpdatedJun 16, 2026
Details

$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000; 125.00% Amount Financed; Fixed

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
4.99%
61 to 72 Months
APR4.99%
Term61 to 72 Months
Last UpdatedJun 16, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
4.99%
Up to 66 months
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto Loan
4.99%
12-60 Month Term
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details

Annual Percentage Rates shown are "as low as".

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New and Used Autos
4.99%
flexible terms available
APR4.99%
Termflexible terms available
Last UpdatedJun 16, 2026
Details

As Low As; 100% financing

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 4 Years
5.00%
4 Years
APR5.00%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.10%
60 Months
APR5.10%
Term60 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
New Auto Loan
5.10%
66 Months
APR5.10%
Term66 Months
Last UpdatedJun 16, 2026
Details

Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Same as New Auto Loan
5.10%
66 Months
APR5.10%
Term66 Months
Last UpdatedJun 16, 2026
Details

As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
5.19%
61-72 months
APR5.19%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As; 15.99%

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto Loans
5.20%
Up to 84 months
APR5.20%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
New Auto
5.24%
up to 84 months
APR5.24%
Termup to 84 months
Last UpdatedJun 16, 2026
Details

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

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
New Vehicles - 36 Months Loan
5.24%
36 Months
APR5.24%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
5.24%
84 months
APR5.24%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $150,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
APR5.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
5.24%
61 - 66 months
APR5.24%
Term61 - 66 months
Last UpdatedJun 16, 2026
Details

APR up to 17.00%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 5 Years
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 2 Years
5.25%
2 Years
APR5.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
up to 72 months
APR5.25%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
5.39%
49 - 60 months
APR5.39%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

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

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.40%
72 Months
APR5.40%
Term72 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
New and Used Vehicle Loans
5.49%
60 Months
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; [1]

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
New Car Loans
5.49%
12-36
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.49%
Up to 36 Months
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New & Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New and Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
New Auto
5.49%
Up to 75 months
APR5.49%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2025 & newer

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New Auto Loan
5.49%
67 - 75 months
APR5.49%
Term67 - 75 months
Last UpdatedJun 16, 2026
Details

APR up to 18.00%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 6 Years
5.50%
6 Years
APR5.50%
Term6 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 3 Years
5.50%
3 Years
APR5.50%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
APR5.50%
Termup to 7 yrs
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.52%
72 months*
APR5.52%
Term72 months*
Last UpdatedJun 16, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
New Car Loan
5.54%
61 - 72 months
APR5.54%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details

As Low As; - Minimum of $15,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto Loan
5.54%
73-84 months
APR5.54%
Term73-84 months
Last UpdatedJun 16, 2026
Details

As Low As; 16.99%

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
APR5.55%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details

As Low As; under 10,000 miles

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.59%
Up to 60 Months
APR5.59%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
New Vehicles - 60 Months Loan
5.64%
60 Months
APR5.64%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.67%
84 months**
APR5.67%
Term84 months**
Last UpdatedJun 16, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.74%
Up to 66 Months
APR5.74%
TermUp to 66 Months
Last UpdatedJun 16, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
5.74%
Up to 72 months
APR5.74%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
5.74%
61 to 72 Months
APR5.74%
Term61 to 72 Months
Last UpdatedJun 16, 2026
Details

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans New
5.74%
37 to 48 Months
APR5.74%
Term37 to 48 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 14.74%

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 4 Years
5.75%
4 Years
APR5.75%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Clear Brook Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
2.99%
Up to 36 months
APR2.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedJun 16, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
APR3.99%
Term36-60 months
Last UpdatedJun 16, 2026
Details

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.00%
36 months
APR4.00%
Term36 months
Last UpdatedJun 16, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
4.24%
Up to 36 months
APR4.24%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

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

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 2 Years
4.25%
2 Years
APR4.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
4.29%
72 months
APR4.29%
Term72 months
Last UpdatedJun 16, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.50%
48 months
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.60%
36 months
APR4.60%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 36 months
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 16, 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.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 48 months
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 3 Years
4.75%
3 Years
APR4.75%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
4.75%
36 Months
APR4.75%
Term36 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Used Vehicles 2025 and Older Loan
4.79%
84 months
APR4.79%
Term84 months
Last UpdatedJun 16, 2026
Details

PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
New or Used Vehicle Loans
4.85%
60 months
APR4.85%
Term60 months
Last UpdatedJun 16, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
4.90%
36-84 months
APR4.90%
Term36-84 months
Last UpdatedJun 16, 2026
Details

As Low As; up to 120%

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.94%
48 months
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 48 months
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 16, 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.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Used Car Loan
4.99%
60 - 96 months
APR4.99%
Term60 - 96 months
Last UpdatedJun 16, 2026
Details

Model Year: 2023 - current

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 60 months
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 75 months
4.99%
Up to 75 months
APR4.99%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As*

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
4.99%
Up to 66 months
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
New and Used Autos
4.99%
flexible terms available
APR4.99%
Termflexible terms available
Last UpdatedJun 16, 2026
Details

As Low As; 100% financing

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 4 Years
5.00%
4 Years
APR5.00%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.04%
60 months
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
5.04%
37 - 48 months
APR5.04%
Term37 - 48 months
Last UpdatedJun 16, 2026
Details

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

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Same as New Auto Loan
5.10%
66 Months
APR5.10%
Term66 Months
Last UpdatedJun 16, 2026
Details

As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
5.20%
48 Months
APR5.20%
Term48 Months
Last UpdatedJun 11, 2026
Details

Rates as of June 11, 2026

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 60 months
5.24%
60 months
APR5.24%
Term60 months
Last UpdatedJun 16, 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.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
5.24%
Up to 72 months
APR5.24%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos
5.24%
Up to 48 months
APR5.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans - Up to 66 months
5.24%
Up to 66 months
APR5.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.05%
Auto Loans Used
5.24%
12 to 36 Months
APR5.24%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details

Maximum APR: 14.24%

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 5 Years
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 2 Years
5.25%
2 Years
APR5.25%
Term2 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
up to 72 months
APR5.25%
Termup to 72 months
Last UpdatedJun 16, 2026
Details

Model Years 2026 - 2024 - over $12,000. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
APR5.29%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As*

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
New and Used Vehicle Loans
5.49%
60 Months
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; [1]

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Used Car Loans (2024 and Older)
5.49%
12-36
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 72 months
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedJun 16, 2026
Details

As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Maximum Loan Amount: $75,000

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.49%
Up to 36 Months
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Used Car Loan
5.49%
60 - 84 months
APR5.49%
Term60 - 84 months
Last UpdatedJun 16, 2026
Details

Model Year: 2022 - 2021

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Used Car Loan
5.49%
49 - 60 months
APR5.49%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

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

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New & Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New and Used Auto Loans
5.49%
up to 36 months
APR5.49%
Termup to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
Used Auto
5.49%
Up to 75 months
APR5.49%
TermUp to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; Modal Year: 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - NEW VEHICLES - 6 Years
5.50%
6 Years
APR5.50%
Term6 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 3 Years
5.50%
3 Years
APR5.50%
Term3 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details

Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto 2013-2018
5.50%
66 Months
APR5.50%
Term66 Months
Last UpdatedJun 16, 2026
Details

Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Used Auto Loan
5.50%
66 Months
APR5.50%
Term66 Months
Last UpdatedJun 16, 2026
Details

Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
APR5.50%
Termup to 6 yrs
Last UpdatedJun 16, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
Used Automobile 100% Or Less Financing
5.54%
48 months
APR5.54%
Term48 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.59%
Up to 60 Months
APR5.59%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Used Vehicles - 36 Months Loan
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; Used Vehicles

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
Used Auto - up to 84 months
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.83%
New and Used Vehicles Loan
5.74%
Up to 66 Months
APR5.74%
TermUp to 66 Months
Last UpdatedJun 16, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
Used Automobile 100% Or Less Financing
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedJun 16, 2026
Details

Rate based on evaluation of credit history.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos
5.74%
Up to 60 months
APR5.74%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan - USED VEHICLES - 4 Years
5.75%
4 Years
APR5.75%
Term4 Years
Last UpdatedJun 11, 2026
Details

100% financing available for new and used auto, truck and motorcycle purchases.

Clear Brook, VA Auto Loan Rate Trends

Compare local Clear Brook, 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
5.202%
▼ 0.042 vs 7 days ago

Virginia new auto rates fell 0.042 points over the past 7 days to 5.202% APR.

Used Auto Loan — VA Avg
6.166%
▲ 0.079 vs 7 days ago

Virginia used auto rates rose 0.079 points over the past 7 days to 6.166% APR.

As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Clear Brook, Virginia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Clear Brook, Virginia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Clear Brook, Virginia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Clear Brook, 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 Clear Brook, 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 Clear Brook, 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 Clear Brook, Virginia?

Based on our current data, some of the lowest auto loan rates available in Clear Brook, Virginia include:
  • Central Virginia Federal Credit Union: 2.99% (New Auto)
  • Park View Federal Credit Union: 3.24% (New Auto Loan)
  • Richmond Heritage Federal Credit Union: 3.49% (New and Used Vehicles Loan)
  • Virginia Beach Postal Federal Credit Union: 3.50% (NEW AUTOS)
  • Commonwealth One Federal Credit Union: 3.89% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Clear Brook, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026