Auto Loan Rates in Williamsburg, Virginia (VA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Williamsburg, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Williamsburg, Virginia include Baylands Family Credit UnionBaylands Family Credit Union7031 Richmond Rd, Williamsburg, VA, 23188 7214A5.0 ★Texas Ratio: 7.17% offering New Auto Loan at 4.50%, Langley Federal Credit UnionLangley Federal Credit Union5220 Monticello Ave, Williamsburg, VA, 23188A5.0 ★Texas Ratio: 11.01% offering New and Used Vehicle Loans at 5.24%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, TruEnergy Federal Credit UnionTruEnergy Federal Credit UnionA5.0 ★Texas Ratio: 8.31% offering New Vehicles at 2.74%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 8.27% offering New Auto at 2.99%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Williamsburg has 2 local institutions in our database, with auto loan rates as low as 4.50% APR from Baylands Family Credit Union at 7031 Richmond Rd, Williamsburg, VA, 23188 7214. 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 Williamsburg, Virginia. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in Williamsburg, Virginia & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 84 Months
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
2026 - 2020 Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 84 Months
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
Used Car Loans (2024 and Older)
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
2019 and older Auto Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 72 Months
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New Car Loans
6.24%
76-84
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
Used Car Loans (2024 and Older)
6.24%
76-84
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48 Months
▼
APR3.99%
Term0-48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedMay 2, 2026
Details
Auto loans as low as 3.99% APR for 0 - 48 months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
▼
APR3.99%
Term36-60
Last UpdatedMay 2, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 2, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
Up to 36 months
▼
APR4.04%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details
APR4.20%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
37 - 48 months
▼
APR4.34%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48 Months
▼
APR4.49%
Term0-48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
4.50%
36-60
▼
APR4.50%
Term36-60
Last UpdatedApr 8, 2026
Details
100% NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 2, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
Up to 36 months
▼
APR4.54%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
APR4.55%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedApr 18, 2026
Details
100% of MSRP/NADA Value
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 2, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2023 - current
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 2, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2020-2022 Auto Loan
5.00%
36-60
▼
APR5.00%
Term36-60
Last UpdatedApr 8, 2026
Details
90 % NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2023-2025 Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 2, 2026
Details
Up to 96 Month Term
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.04%
0-60
▼
APR5.04%
Term0-60
Last UpdatedApr 18, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
APR5.10%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.14%
61-66
▼
APR5.14%
Term61-66
Last UpdatedApr 18, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
APR5.20%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedApr 18, 2026
Details
100% of MSRP/NADA Value
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.24%
67-75
▼
APR5.24%
Term67-75
Last UpdatedApr 18, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66 Months
▼
APR5.24%
Term61-66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77 Months
▼
APR5.24%
Term72-77 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
▼
APR5.25%
Term2 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedApr 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
APR5.40%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2022 - 2021
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 25, 2026
Details
As Low As; 5.49% Auto Loan up to 72 months*
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
Up to 75 months
▼
APR5.49%
TermUp to 75 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
Up to 75 months
▼
APR5.49%
TermUp to 75 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $15,000
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.53%
49 - 60 months
▼
APR5.53%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
▼
APR5.54%
Term48 months
Last UpdatedApr 17, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
5.54%
2025 Mo
▼
APR5.54%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedApr 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $15,000 loan
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedApr 17, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
5.74%
61 to 72 Months
▼
APR5.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 84 Months
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New Car Loans
6.24%
76-84
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 2, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details
APR4.20%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
37 - 48 months
▼
APR4.34%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 2, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
APR4.55%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedApr 18, 2026
Details
100% of MSRP/NADA Value
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 2, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New Automobile greater than
4.99%
60 - 84 months
▼
APR4.99%
Term60 - 84 months
Last UpdatedApr 17, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 2, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 2, 2026
Details
Up to 96 Month Term
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
APR5.10%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
APR5.40%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
New Vehicles
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar New Vehicle Rate
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
Up to 75 months
▼
APR5.49%
TermUp to 75 months
Last UpdatedApr 27, 2026
Details
As Low As; 2025 & newer
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.53%
49 - 60 months
▼
APR5.53%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
New Cars: 2025 models and newer
5.54%
2025 Mo
▼
APR5.54%
Term2025 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedApr 18, 2026
Details
As Low As; Model Year: 2025 and newer
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $15,000 loan
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
Used Car Loans (2024 and Older)
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
5220 Monticello Ave, Williamsburg, VA, 23188
Used Car Loans (2024 and Older)
6.24%
76-84
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedApr 17, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedApr 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedApr 17, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48 Months
▼
APR3.99%
Term0-48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
▼
APR3.99%
Term36-60
Last UpdatedMay 2, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 2, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
Up to 36 months
▼
APR4.04%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedApr 19, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedApr 17, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48 Months
▼
APR4.49%
Term0-48 Months
Last UpdatedApr 19, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 2, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
Up to 36 months
▼
APR4.54%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60 Months
▼
APR4.74%
Term49-60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 2, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 2, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
100% NADA Retail/MSRP
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 2, 2026
Details
Up to 96 Month Term
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $1,000 loan
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedApr 17, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.20%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedApr 18, 2026
Details
100% of MSRP/NADA Value
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66 Months
▼
APR5.24%
Term61-66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77 Months
▼
APR5.24%
Term72-77 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
▼
APR5.25%
Term2 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedApr 17, 2026
Details
Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
Up to 75 months
▼
APR5.49%
TermUp to 75 months
Last UpdatedApr 27, 2026
Details
As Low As; 2020-2025
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loan
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As; Up to $15,000
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
▼
APR5.54%
Term48 months
Last UpdatedApr 17, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
TrueCar Used Vehicle Rate
5.74%
61 to 72 Months
▼
APR5.74%
Term61 to 72 Months
Last UpdatedApr 17, 2026
Details
As Low As
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MonitorBankRates
Williamsburg, VA Auto Loan Rate Trends
Compare local Williamsburg, 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.
New Auto Loan — VA Avg
4.967%
▼ 0.008 vs 7 days ago
Virginia new auto rates fell 0.008 points over the past 7 days to 4.967% APR.
Used Auto Loan — VA Avg
6.147%
▼ 0.003 vs 7 days ago
Virginia used auto rates fell 0.003 points over the past 7 days to 6.147% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Williamsburg, 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 Williamsburg, 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 Williamsburg, Virginia typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Williamsburg, Virginia?
Based on our current data, some of the lowest auto loan rates available in Williamsburg, Virginia include:
- Baylands Family Credit Union: 4.50% (New Auto Loan)
- Langley Federal Credit Union: 5.24% (New and Used Vehicle Loans)
- Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
- TruEnergy Federal Credit Union: 2.74% (New Vehicles)
- Central Virginia Federal Credit Union: 2.99% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Williamsburg, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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