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Jewell Ridge, Virginia Best Auto Loan Rates - August 2026

Current auto loan rates in Jewell Ridge, Virginia include Norfolk Fire Department Federal Credit UnionNorfolk Fire Department Federal Credit UnionA+5.0 ★Texas Ratio: 0.73% offering New Auto Loan at 2.99%, 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 - up to 60 months Loan at 3.49%, Credit Union of RichmondCredit Union of RichmondA+5.0 ★Texas Ratio: 0.59% offering New Auto Purchase (Never Titled) 0-48 Months at 3.49%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Jewell Ridge borrowers have access to 62 lenders serving the Virginia area, with auto loan rates as low as 2.99% APR from Norfolk Fire Department 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 Jewell Ridge, Virginia. Auto Loan Rates Last Updated and Verified: August 28, 2026

Compare Auto Loan Rates Today in Jewell Ridge, Virginia & Surrounding Area

Jewell Ridge Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto Loan
2.99%
48 MONTHS
APR2.99%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details

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 UpdatedAug 28, 2026
Details

As low as; 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 UpdatedAug 28, 2026
Details

As low as; 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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 0-48 Months
3.49%
48 Months
APR3.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS - Model Years 2026 or newer
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Years 2026 - 2024
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
3.50%
36-60 Months
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
3.74%
Up to 36 months
APR3.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
3.74%
Up to 60 Months
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
3.74%
0-36 months
APR3.74%
Term0-36 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 49-60 Months
3.74%
60 Months
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 72 months Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
3.75%
36-84 months
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
3.75%
36-84 months
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loan
3.99%
60 months
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As low as** 3.99%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

As Low As*

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
3.99%
Up to 36 Months
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Vehicle Loan
3.99%
up to 48 months
APR3.99%
Termup to 48 months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

As low as; Minimum of $1,000 loan

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New Vehicles Loan
3.99%
36 mos
APR3.99%
Term36 mos
Last UpdatedAug 28, 2026
Details

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36
APR3.99%
TermUp to 36
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

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 UpdatedAug 28, 2026
Details

As low as; 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 UpdatedAug 28, 2026
Details

As low as; 2020-2025

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
Auto Loans
3.99%
0 - 48 months
APR3.99%
Term0 - 48 months
Last UpdatedAug 28, 2026
Details

AS LOW AS; Rates as of 08/01/2026

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

Max. APR 12.49%

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

Max. APR 12.49%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New and Used Auto Loans
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; APR up to 15.00%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.

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 UpdatedAug 28, 2026
Details

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle Loan (2026 Vehicles)
3.99%
36-60 months
APR3.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Vehicle Loan
4.00%
24 Months
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details

100% financing

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 UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.14%
Up to 36 months
APR4.14%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
4.14%
36 Months
APR4.14%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $592; Minimum Loan Amount: No Minimum

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

2026 & Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

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 UpdatedAug 28, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New/Used Vehicle Loan
4.20%
12 - 96 mos
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.20%
36 Months
APR4.20%
Term36 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $29.61

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.24%
Up to 60 months
APR4.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.24%
Up to 48 months
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as** 4.24%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.24%
36 months
APR4.24%
Term36 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.24%
37 to 48 Months
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Car Loan
4.24%
48 month
APR4.24%
Term48 month
Last UpdatedAug 28, 2026
Details

Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Congressional Federal Car Buying Service powered by TrueCar Loan
4.24%
Up to 36 months
APR4.24%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As low as; - Minimum of $1,000 loan

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 UpdatedAug 28, 2026
Details

As low as; - Minimum of $1,000 loan

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
4.24%
61 - 72 Months
APR4.24%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.24%
12-36 months
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.24%
12-36 months
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.24%
3 Years
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details

Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 61-66 Months
4.24%
66 Months
APR4.24%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Vehicle Loan
4.25%
48 months
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Vehicle Loan
4.25%
60 months
APR4.25%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Vehicle Loan
4.25%
Up to 48 months
APR4.25%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Fixed

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto
4.25%
24 - 108 months
APR4.25%
Term24 - 108 months
Last UpdatedAug 28, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Vehicle Loan
4.25%
36 Months
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details

100% financing

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle Loan (2026 Vehicles)
4.29%
72 months
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details

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 UpdatedAug 28, 2026
Details

Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Car Loan
4.44%
66 month
APR4.44%
Term66 month
Last UpdatedAug 28, 2026
Details

Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.49%
Up to 72 months
APR4.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.49%
Up to 60 months
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As low as** 4.49%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.49%
49 to 60 Months
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Homebase Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.95%
Vehicle Loan
4.49%
Up to 60 months
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

New & Used/ Refinance (from other lender)

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
4.49%
37-48 months
APR4.49%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New Auto
4.49%
60 months or less
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details

Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.

VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Vehicles & Motorcycles Model Year 2021-2025 Loan
4.49%
Up to 84 Months
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Vehicle Loan
4.50%
48 Months
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

100% financing

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
4.50%
72 Months
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto Loan
4.50%
Up to 84 Months
APR4.50%
TermUp to 84 Months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.54%
2025 Mo
APR4.54%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
4.54%
48 Months
APR4.54%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $456; Minimum Loan Amount: $10,000

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $22.83

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.64%
2025 Mo
APR4.64%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
4.64%
60 Months
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $374; Minimum Loan Amount: $10,000

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 UpdatedAug 28, 2026
Details

NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Auto Loan
4.69%
Up to 36 Months
APR4.69%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Loan Amount: $5,000-$125,000

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Auto Loan
4.69%
Up to 24 months
APR4.69%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details

As Low As; Payment Example per $1,000 Borrowed: $43.81

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 UpdatedAug 28, 2026
Details

Loan Amount: $2,500+

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

Max. APR 13.19%

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

Max. APR 13.19%

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 UpdatedAug 28, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.70%
Up to 36 months
APR4.70%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Up to 5 Years Old

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.74%
84 months
APR4.74%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.74%
Up to 72 months
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As low as** 4.74%***; Maximum: $75,000

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
4.74%
61 to 72 Months
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
4.74%
61 to 72 Months
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 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)
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

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
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 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. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
4.74%
73 - 84 Months
APR4.74%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Car Loans: 2017 - 2021 Model Years
4.74%
Up to 36 months
APR4.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.74%
49-63 months
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.74%
49-63 months
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 67-72 Months
4.74%
72 Months
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto
4.74%
36 - 120 months
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used Vehicles Loan
4.75%
36 mos
APR4.75%
Term36 mos
Last UpdatedAug 28, 2026
Details

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto
4.75%
24 - 96 months
APR4.75%
Term24 - 96 months
Last UpdatedAug 28, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS - Model Years 2026 or newer
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Year 2023 - 2022
4.75%
up to 48 months
APR4.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Years 2026 - 2024
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Vehicle Loan
4.75%
60 Months
APR4.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

100% financing

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan
4.75%
6 Years
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details

New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
4.75%
36 Months
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $29.72

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle Loan (2026 Vehicles)
4.79%
84 months
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.80%
2025 Mo
APR4.80%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
4.80%
72 Months
APR4.80%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $320; Minimum Loan Amount: $20,000

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.84%
48 months
APR4.84%
Term48 months
Last UpdatedAug 28, 2026
Details

Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Car Loan
4.84%
72 month
APR4.84%
Term72 month
Last UpdatedAug 28, 2026
Details

Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

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 UpdatedAug 28, 2026
Details

As low as; Minimum of $1,000 loan

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.85%
36 months
APR4.85%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Auto Loan
4.89%
36 months
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; Payment Example per $1,000 Borrowed: $29.98

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details

Loan Amount: $2,500+

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 UpdatedAug 28, 2026
Details

Maximum Amount $100,000

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.90%
Up to 48 months
APR4.90%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Up to 5 Years Old

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.94%
60 months
APR4.94%
Term60 months
Last UpdatedAug 28, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as** 4.99%***; Maximum: $75,000

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

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 UpdatedAug 28, 2026
Details

As Low As*

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.99%
61 to 72 Months
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 84 months Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto Loan
4.99%
60 MONTHS
APR4.99%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
Vehicle Loan
4.99%
up to 72 months
APR4.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

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

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2025
4.99%
up to 36 mos
APR4.99%
Termup to 36 mos
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $5,000

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos
4.99%
Up to 48 months
APR4.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto Loan
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Auto Loan
4.99%
60 - 96 months
APR4.99%
Term60 - 96 months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

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
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 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. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.

Homebase Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.95%
Vehicle Loan
4.99%
Up to 72 months
APR4.99%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

New & Used / Refinance (from other lender)

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New Vehicles Loan
4.99%
48 mos
APR4.99%
Term48 mos
Last UpdatedAug 28, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.89%
Vehicle Loan
4.99%
1-48 months
APR4.99%
Term1-48 months
Last UpdatedAug 28, 2026
Details

As low as; **72+ months over $20,000**

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.99%
64 -75 months
APR4.99%
Term64 -75 months
Last UpdatedAug 28, 2026
Details

As Low As

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.99%
64-75 months
APR4.99%
Term64-75 months
Last UpdatedAug 28, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
4.99%
49-60 months
APR4.99%
Term49-60 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

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 UpdatedAug 28, 2026
Details

As low as; 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 UpdatedAug 28, 2026
Details

As low as; 2020-2025

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.99%
4 Years
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details

Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto
4.99%
12-60 Month Term
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

As Low As; Financing: 100%

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 UpdatedAug 28, 2026
Details

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
New Vehicles Loan
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Vehicles/Motorcycles Loan
4.99%
36 - 84 months
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details

Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Vehicles/Motorcycles Loan
4.99%
36 - 84 months
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.99%
36 - 120 months
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedAug 28, 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.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedAug 28, 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.

Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
6 year old vehicles Loan
5.00%
up to 48 months
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
7 year old vehicles Loan
5.00%
up to 48 months
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Automobiles up to 5 years old
5.00%
up to 48 months
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.38%
Vehicle Loans
5.00%
24 Months or Less
APR5.00%
Term24 Months or Less
Last UpdatedAug 28, 2026
Details

As low as*

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
Autos and Motorcycles
5.00%
60 Mo.
APR5.00%
Term60 Mo.
Last UpdatedAug 28, 2026
Details

Financing %: 80%

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
New Auto Loan
5.00%
60 Months
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; depends on creditworthiness

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Vehicle Loan
5.00%
72 Months
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details

100% financing

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
5.00%
84 Months
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
2026 - 2020 Auto Loan
5.00%
Up to 84 Months
APR5.00%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
5.04%
2025 Mo
APR5.04%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
5.04%
48 Months
APR5.04%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $461

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Congressional Federal Car Buying Service powered by TrueCar Loan
5.04%
37 - 48 months
APR5.04%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

As low as; - Minimum of $1,000 loan

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Car Loan
5.09%
78 month
APR5.09%
Term78 month
Last UpdatedAug 28, 2026
Details

Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Car Loans 2024
5.09%
up to 36 mos
APR5.09%
Termup to 36 mos
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $5,000

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.89%
Vehicle Loan
5.09%
49-60 months
APR5.09%
Term49-60 months
Last UpdatedAug 28, 2026
Details

As low as; **72+ months over $20,000**

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Up to $15,000; Rates include discounts for automatic payment and 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.

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.10%
60 Months
APR5.10%
Term60 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $18.92

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.14%
36 - 63 Months
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
5.14%
2025 Mo
APR5.14%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
Auto Loans
5.14%
60 Months
APR5.14%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; Sample Monthly Payment for $20,000: $379

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

2023 - 2025*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2023 - 2025
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

Jewell Ridge New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto Loan
2.99%
48 MONTHS
APR2.99%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details

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 UpdatedAug 28, 2026
Details

As low as; 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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 0-48 Months
3.49%
48 Months
APR3.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS - Model Years 2026 or newer
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
3.50%
36-60 Months
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
3.74%
Up to 36 months
APR3.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
3.74%
Up to 60 Months
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 49-60 Months
3.74%
60 Months
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 72 months Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
3.75%
36-84 months
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loan
3.99%
60 months
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

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 UpdatedAug 28, 2026
Details

As Low As*

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
3.99%
Up to 36 Months
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

As low as; Minimum of $1,000 loan

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New Vehicles Loan
3.99%
36 mos
APR3.99%
Term36 mos
Last UpdatedAug 28, 2026
Details

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36
APR3.99%
TermUp to 36
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

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 UpdatedAug 28, 2026
Details

As low as; 2025 & newer

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

Max. APR 12.49%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New and Used Auto Loans
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; APR up to 15.00%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.

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 UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.14%
Up to 36 months
APR4.14%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

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 UpdatedAug 28, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New/Used Vehicle Loan
4.20%
12 - 96 mos
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.20%
36 Months
APR4.20%
Term36 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $29.61

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.24%
Up to 60 months
APR4.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.24%
36 months
APR4.24%
Term36 months
Last UpdatedAug 28, 2026
Details

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.24%
37 to 48 Months
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
4.24%
61 - 72 Months
APR4.24%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.24%
12-36 months
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 61-66 Months
4.24%
66 Months
APR4.24%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto
4.25%
24 - 108 months
APR4.25%
Term24 - 108 months
Last UpdatedAug 28, 2026
Details

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.49%
Up to 72 months
APR4.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.49%
49 to 60 Months
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
New Auto
4.49%
60 months or less
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details

Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.

VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
New Vehicles & Motorcycles Model Year 2021-2025 Loan
4.49%
Up to 84 Months
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
4.50%
72 Months
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto Loan
4.50%
Up to 84 Months
APR4.50%
TermUp to 84 Months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.54%
2025 Mo
APR4.54%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
4.55%
48 Months
APR4.55%
Term48 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $22.83

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.64%
2025 Mo
APR4.64%
Term2025 Mo
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

Max. APR 13.19%

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 UpdatedAug 28, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
New Auto Loans
4.74%
84 months
APR4.74%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as; Maximum: $150,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
New Vehicles Loan
4.74%
61 to 72 Months
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
TrueCar New Vehicle Rate Loan
4.74%
61 to 72 Months
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 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)
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

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.

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Car Loans: 2022 - Newer Model Years
4.74%
73 - 84 Months
APR4.74%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.74%
49-63 months
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

Model Year: 2025 and newer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto Purchase (Never Titled) 67-72 Months
4.74%
72 Months
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto
4.74%
36 - 120 months
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS - Model Years 2026 or newer
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan
4.75%
6 Years
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details

New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.

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 UpdatedAug 28, 2026
Details

As Low As*

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
4.80%
2025 Mo
APR4.80%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.84%
48 months
APR4.84%
Term48 months
Last UpdatedAug 28, 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 UpdatedAug 28, 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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Maximum Amount $100,000

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.94%
60 months
APR4.94%
Term60 months
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Minimum loan of $15,000

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto
4.99%
61 to 72 Months
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 84 months Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto Loan
4.99%
60 MONTHS
APR4.99%
Term60 MONTHS
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

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

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 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
4.99%
Up to 48 months
APR4.99%
TermUp to 48 months
Last UpdatedAug 28, 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)
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

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.

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New Vehicles Loan
4.99%
48 mos
APR4.99%
Term48 mos
Last UpdatedAug 28, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Auto Loans
4.99%
64 -75 months
APR4.99%
Term64 -75 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

As low as; 2025 & newer

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto
4.99%
12-60 Month Term
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

As Low As; Financing: 100%

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
New Vehicles Loan
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Vehicles/Motorcycles Loan
4.99%
36 - 84 months
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
New Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedAug 28, 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.

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
New Auto Loan
5.00%
60 Months
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; depends on creditworthiness

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
5.00%
84 Months
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
5.04%
2025 Mo
APR5.04%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Up to $15,000; Rates include discounts for automatic payment and 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.

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
New Vehicles Loan
5.10%
60 Months
APR5.10%
Term60 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $18.92

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
New Auto Loans
5.14%
36 - 63 Months
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details

Model Year: 2025 - Newer

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
New Cars: 2025 models and newer Loan
5.14%
2025 Mo
APR5.14%
Term2025 Mo
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

Jewell Ridge 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 UpdatedAug 28, 2026
Details

As low as; 2020-2025

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Years 2026 - 2024
3.50%
up to 36 months
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
3.50%
36-60 Months
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
3.74%
0-36 months
APR3.74%
Term0-36 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 72 months Loan
3.75%
72 months
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
3.75%
36-84 months
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As low as** 3.99%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

As low as; 2020-2025

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

Max. APR 12.49%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New and Used Auto Loans
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As Low As; APR up to 15.00%

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New/Used Vehicle Loan
4.20%
12 - 96 mos
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.24%
Up to 48 months
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

As low as** 4.24%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

As low as; - Minimum of $1,000 loan

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.24%
12-36 months
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.24%
3 Years
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details

Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.

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 UpdatedAug 28, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.49%
Up to 60 months
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As low as** 4.49%***; Maximum: $75,000

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.49%
Up to 36 Months
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
4.49%
37-48 months
APR4.49%
Term37-48 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
4.50%
72 Months
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

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 UpdatedAug 28, 2026
Details

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

Max. APR 13.19%

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.70%
Up to 36 months
APR4.70%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Up to 5 Years Old

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.74%
Up to 72 months
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As low as** 4.74%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.74%
37 to 48 Months
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 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
4.74%
Up to 48 months
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 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. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.

Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Car Loans: 2017 - 2021 Model Years
4.74%
Up to 36 months
APR4.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.74%
49-63 months
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details

As Low As

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Used Vehicles Loan
4.75%
36 mos
APR4.75%
Term36 mos
Last UpdatedAug 28, 2026
Details

Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto
4.75%
24 - 96 months
APR4.75%
Term24 - 96 months
Last UpdatedAug 28, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Year 2023 - 2022
4.75%
up to 48 months
APR4.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS - Model Years 2026 - 2024
4.75%
up to 60 months
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Loan rate starting at..., based on credit score.; Loyalty Discounts Available

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
New & Used Vehicle Loan
4.75%
6 Years
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details

New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.

SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Used Vehicles Loan
4.75%
36 Months
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

Est. Monthly Payment (per $1,000 Financed) $29.72

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 UpdatedAug 28, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
4.85%
36 months
APR4.85%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

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 UpdatedAug 28, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.90%
Up to 48 months
APR4.90%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Up to 5 Years Old

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
Used Auto Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as** 4.99%***; Maximum: $75,000

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 UpdatedAug 28, 2026
Details

Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.

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 UpdatedAug 28, 2026
Details

As Low As*

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2024 & Older)
4.99%
49 to 60 Months
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
New and Used Vehicles - 84 months Loan
4.99%
84 months
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
New/Used Automobile
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

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 UpdatedAug 28, 2026
Details

Rate based on evaluation of credit history

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Used Auto Loan
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Auto Loans
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 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. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Auto Loans
4.99%
64-75 months
APR4.99%
Term64-75 months
Last UpdatedAug 28, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Loan
4.99%
49-60 months
APR4.99%
Term49-60 months
Last UpdatedAug 28, 2026
Details

Model Year: 2019-2024

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 UpdatedAug 28, 2026
Details

As low as; 2020-2025

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.99%
4 Years
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details

Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.

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 UpdatedAug 28, 2026
Details

As Low As; Financing: 100%

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 UpdatedAug 28, 2026
Details

Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Vehicles/Motorcycles Loan
4.99%
36 - 84 months
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.99%
36 - 120 months
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
Used Auto Loan
5.00%
36 Months
APR5.00%
Term36 Months
Last UpdatedAug 28, 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.

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto
5.00%
84 Months
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% NADA Retail/MSRP

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details

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 UpdatedAug 28, 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 UpdatedAug 28, 2026
Details

Up to $15,000; Rates include discounts for automatic payment and 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.

Jewell Ridge, VA Auto Loan Rate Trends

Compare local Jewell Ridge, 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
5.513%
▲ 0.289 vs 7 days ago

Virginia new auto rates rose 0.289 points over the past 7 days to 5.513% APR.

Used Auto Loan — VA Avg
6.012%
▲ 0.377 vs 7 days ago

Virginia used auto rates rose 0.377 points over the past 7 days to 6.012% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Virginia APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.51% APR
VA average
Used Auto @ 6.01% APR
VA average
Monthly Difference
$15,000 $286.60/mo $290.07/mo $3.47/mo
$25,000 $477.67/mo $483.46/mo $5.78/mo
$35,000 $668.74/mo $676.84/mo $8.09/mo
$45,000 $859.81/mo $870.22/mo $10.41/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

About Our Jewell Ridge, Virginia Auto Loan Rate Database

62 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Jewell Ridge, Virginia auto loan tables currently track 62 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Jewell Ridge, Virginia database right now is 2.99% APR from Norfolk Fire Department Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Jewell Ridge, Virginia

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Jewell Ridge, Virginia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Virginia. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Virginia Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)

$51,121
Median Individual Earnings
National avg: $47,340
4.1%
Unemployment Rate
National avg: 4.8%
9.9%
Poverty Rate
National avg: 11.1%
$573/mo
Payment on a $30K / 60-mo Loan
At VA new-auto avg 5.51% APR

A $573 monthly car payment works out to roughly 13.5% of the median individual income in Virginia. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Jewell Ridge, Virginia — but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level Often lowest Competitive Varies — can be marked up Highest (unsecured)
Rate Locked Before You Shop Yes, via preapproval Yes, via preapproval Arranged at the dealership Yes
Membership / Relationship Required Membership (usually easy) No No No
Works for Private-Party Sales Usually Sometimes No Yes
Convenience at Purchase Preapproval step first Preapproval step first One-stop at the dealer Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Jewell Ridge, Virginia. We’ve prefilled the APR with today’s VA new-auto average — or click any current rate on the right to apply it instantly.

$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jewell Ridge, 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 Jewell Ridge, 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 Jewell Ridge, 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 Jewell Ridge, 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 Jewell Ridge, 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 Jewell Ridge, 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.

Should I get preapproved for an auto loan before visiting a dealer in Jewell Ridge, Virginia?

Yes. A preapproval from a bank or credit union serving Jewell Ridge, Virginia gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Jewell Ridge, Virginia can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Jewell Ridge, Virginia?

Based on our current data, some of the lowest auto loan rates available in Jewell Ridge, Virginia include:
  • Norfolk Fire Department Federal Credit Union: 2.99% (New Auto Loan)
  • 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 - up to 60 months Loan)
  • Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled) 0-48 Months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Jewell Ridge, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026

Jewell Ridge, Virginia Rates & Resources