West Virginia Best Auto Loan Rates - October 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 West Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
West Virginia auto loan rates range from 2.49% to 5.50% APR, verified by MonitorBankRates as of October 22, 2026. Current auto loan rates in West Virginia include WEPCO Federal Credit UnionWEPCO Federal Credit Union459 New Creek Hwy, Keyser, WV, 26726 9537A+5.0 ★Texas Ratio: 3.89% offering New or Used Vehicle Loans - New Model 2026 and Newer at 2.49%, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV, 25701A+5.0 ★Texas Ratio: 3.37% offering New and Used Auto Loans at 2.99%, Eastern Panhandle Federal Credit UnionEastern Panhandle Federal Credit Union36 GM Access Rd, Martinsburg, WV, 25403A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 3.24%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit Union3143 Frankfort Hwy, Ridgeley, WV, 26753 8707A+5.0 ★Texas Ratio: 2.63% offering Auto Loan at 3.49%, Harrison County Federal Credit UnionHarrison County Federal Credit Union315 Buckhannon Pike, Nutter Fort, WV, 26301A+5.0 ★Texas Ratio: 0.32% offering 2025-2024 New Auto at 3.50%. Auto loan rates as of October 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across West Virginia side-by-side. West Virginia auto loan rates currently start as low as 2.49% APR from WEPCO Federal Credit Union at 459 New Creek Hwy, Keyser, WV, 26726 9537. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in West Virginia. Auto Loan Rates Last Updated and Verified: October 22, 2026
Compare Auto Loan Rates Today in West Virginia
West Virginia Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 15, 2026
Details
As Low As
Rate History
No change since Oct 12, 2026 · 2.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 0-48 Months
2.99%
0-48 months
▼
APR2.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026
Rate History
No change since Oct 15, 2026 · 2.99% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New and Used Auto Loans
2.99%
Up to 84 months
▼
APR2.99%
TermUp to 84 months
Last UpdatedOct 19, 2026
Details
As Low As; financing terms up to 84 months, certain restrictions apply; up to 100% of MSRP (new) or retail value (used); debt protection, extended warranty and GAP insurance offered
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 19, 2026
Details
As Low As; APR as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; APR as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2023
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 12, 2026 · 3.24% APR · checked 2 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.24%
12 Months
▼
APR3.24%
Interest Rate3.24%
Term12 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 12, 2026 · 3.49% APR · checked 2 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 & newer
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.49% ▲ 0.24 pts · high 3.49% / low 3.25%
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.49%
24 Months
▼
APR3.49%
Interest Rate3.49%
Term24 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.49% APR
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 5 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 49-60 Months
3.74%
49-60 months
▼
APR3.74%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 15, 2026 · 3.74% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
3.74%
0-48 Months
▼
APR3.74%
Term0-48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 3.74% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 9 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.74%
36 Months
▼
APR3.74%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.74%
12 Months
▼
APR3.74%
Interest Rate3.74%
Term12 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.74% APR
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
3.75%
37-48 months
▼
APR3.75%
Term37-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 & newer
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.75% / low 3.49%
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 3.75% APR
Rate History
No change since Oct 22, 2026 · 3.75% APR
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
809 Division St, Parkersburg, WV, 26101 6048
Vehicle Loans - 36 months
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedOct 19, 2026
Details
As Low As; Annual percentage rates may be as low as*; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) Auto 0-48 months
3.99%
0-48 months
▼
APR3.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 3.99% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.99%
48 Months
▼
APR3.99%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.99% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Interest Rate3.99%
Term24 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 3.99% APR
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
105 Adair St, Beckley, WV, 25801 3733
New Auto Loan
3.99%
84 Month Max
▼
APR3.99%
Term84 Month Max
Last UpdatedOct 15, 2026
Details
As Low As; with approved credit; Effective as of 10/01/2025
Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 1-36 Months
4.00%
1-36 months
▼
APR4.00%
Term1-36 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.00% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV, 26101
NEW Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 15, 2026
Details
Amount: up to $23,000; Rate range: 4.00% - 11.50% APR
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 7 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV, 26101
Used Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 15, 2026
Details
APR range: 4.00% - 12.25% APR; 100% of NADA Retail; Cars over 6 years old: max term 48 months; Cars over 10 years old: max term 36 months
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 10 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
809 Division St, Parkersburg, WV, 26101 6048
Vehicle Loans - 48 months
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; Annual percentage rates may be as low as*; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 49-60 months
4.24%
49-60 months
▼
APR4.24%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 12, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 61-72 Months
4.24%
61-72 months
▼
APR4.24%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 15, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.24% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 10 times
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0116
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
New Auto Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Featured Rates
Rate History
No change since Sep 25, 2026 · 4.24% APR · checked 5 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.24%
12 Months
▼
APR4.24%
Interest Rate4.24%
Term12 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.24% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.24%
36 Months
▼
APR4.24%
Interest Rate4.24%
Term36 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 4.24% APR
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 37-48 Months
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.25% APR · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
4.25%
49-60 months
▼
APR4.25%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 & newer
Rate History
1 change since Sep 17, 2026 · 3.99% → 4.25% ▲ 0.26 pts · high 4.25% / low 3.99%
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%first recorded
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
4.25%
0-36 months
▼
APR4.25%
Term0-36 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2019-2023
Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 5 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.42%
24 months
▼
APR4.42%
Term24 months
Last UpdatedOct 19, 2026
Details
Type: New; Representative loan amount $50,000
Rate History
No change since Oct 19, 2026 · 4.42% APR
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.47%
36 months
▼
APR4.47%
Term36 months
Last UpdatedOct 19, 2026
Details
Type: New; Representative loan amount $50,000
Rate History
No change since Oct 19, 2026 · 4.47% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.49%
61-72 Months
▼
APR4.49%
Term61-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.49% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 10 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 10 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
4.49%
37-48 months
▼
APR4.49%
Term37-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2019-2023
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.49% ▲ 0.24 pts · high 4.49% / low 4.25%
- Sep 25, 20264.49%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.49%
24 Months
▼
APR4.49%
Interest Rate4.49%
Term24 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.49% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Interest Rate4.49%
Term48 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700)
Rate History
No change since Oct 15, 2026 · 4.49% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 49-60 Months
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.50% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.50% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.50% ▼ 2.00 pts · high 6.50% / low 4.50%
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
1945 Edwin Miller Blvd, Martinsburg, WV, 25404 6387
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 22, 2026
Details
As Low As; Rates Are Based On Credit Score
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 11 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.50%
0-36 Months
▼
APR4.50%
Interest Rate4.50%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 7 times
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1512 Mary Lou Retton Dr, Fairmont, WV, 26554
New Car Loans 2023 - current
4.50%
Up to 84 months
▼
APR4.50%
Interest Rate4.50%
TermUp to 84 months
Last UpdatedOct 15, 2026
Details
As Low As; Rates effective 12/01/2025
Rate History
No change since Oct 13, 2026 · 4.50% APR · checked 2 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
809 Division St, Parkersburg, WV, 26101 6048
Vehicle Loans - 60 months
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 19, 2026
Details
As Low As; Annual percentage rates may be as low as*; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.54% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.54% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; As Low As; Switch and Save program; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 4.59% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.64% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.64% APR · checked 2 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.67%
48 months
▼
APR4.67%
Term48 months
Last UpdatedOct 19, 2026
Details
Type: New; Representative loan amount $50,000
Rate History
No change since Oct 19, 2026 · 4.67% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $43.81; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.74% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.74% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 73-84 Months
4.74%
73-84 months
▼
APR4.74%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 15, 2026 · 4.74% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1500 Maccorkle Ave SE, Charleston, WV, 25396
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedOct 15, 2026
Details
APR range: 4.74% - 10.49%; Loan APRs are based on credit worthiness
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 10 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700); Amount: greater than $15,000; GAP Insurance required on terms greater than 60 months
Rate History
No change since Oct 15, 2026 · 4.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Interest Rate4.74%
Term36 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Used Auto Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Featured Rates
Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 5 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.74%
12 Months
▼
APR4.74%
Interest Rate4.74%
Term12 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.74% APR
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 61-72 Months
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.75% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.75% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.75% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.75% ▼ 1.75 pts · high 6.50% / low 4.75%
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 & newer
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.75% ▲ 0.26 pts · high 4.75% / low 4.49%
- Sep 25, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 9 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.75%
0-36 Months
▼
APR4.75%
Interest Rate4.75%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.75%
37-48 Months
▼
APR4.75%
Interest Rate4.75%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 4.75% APR
Rate History
No change since Oct 22, 2026 · 4.75% APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
901 6th Ave, Huntington, WV, 25701
New Auto Loans - 2026 New Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 22, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.75% APR · checked 3 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
901 6th Ave, Huntington, WV, 25701
Used Auto Loans - 2019-2020 Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 22, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.75% APR · checked 3 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
809 Division St, Parkersburg, WV, 26101 6048
Vehicle Loans - 66 months
4.75%
66 months
▼
APR4.75%
Term66 months
Last UpdatedOct 19, 2026
Details
As Low As; Annual percentage rates may be as low as*; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 2 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.79%
24 months
▼
APR4.79%
Term24 months
Last UpdatedOct 19, 2026
Details
Type: Used 4 yrs or newer; Representative loan amount $30,000
Rate History
No change since Oct 19, 2026 · 4.79% APR
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.87%
36 months
▼
APR4.87%
Term36 months
Last UpdatedOct 19, 2026
Details
Type: Used 4 yrs or newer; Representative loan amount $30,000
Rate History
No change since Oct 19, 2026 · 4.87% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $29.98; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.89% APR · checked 2 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedOct 19, 2026
Details
Type: New; Representative loan amount $50,000
Rate History
No change since Oct 19, 2026 · 4.89% APR
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 3 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 3 times
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1316 Kanawha Blvd E, Charleston, WV, 25301
Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 15, 2026
Details
As Low As; Starting at 4.99% APR; Terms up to 84 months; Rates subject to credit approval; Membership required
Rate History
1 change since Sep 16, 2026 · 4.24% → 4.99% ▲ 0.75 pts · high 4.99% / low 4.24%
- Oct 15, 20264.99%▲ from 4.24%
- Sep 16, 20264.24%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 61-72 months
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.99% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.99% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.24% → 4.99% ▼ 1.25 pts · high 6.24% / low 4.99%
- Sep 17, 20264.99%▼ from 6.24%
- Sep 14, 20266.24%first recorded
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.49% → 4.99% ▼ 1.50 pts · high 6.49% / low 4.99%
- Sep 17, 20264.99%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0137
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.99%
48 Months
▼
APR4.99%
Interest Rate4.99%
Term48 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.99% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Interest Rate4.99%
Term24 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 4.99% APR
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
New Vehicle Loan
4.99%
Up to 60 payments
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 payments
Last UpdatedOct 15, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.99% APR · checked 2 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
910 3rd St, Moundsville, WV, 26041 1605
Titled vehicles 24 month term Loan
4.99%
24 months
▼
APR4.99%
Interest Rate4.99%
Term24 months
Last UpdatedOct 13, 2026
Details
Titled vehicle loan
Rate History
No change since Oct 13, 2026 · 4.99% APR
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
910 3rd St, Moundsville, WV, 26041 1605
Titled vehicles 36 month term Loan
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedOct 13, 2026
Details
Titled vehicle loan
Rate History
No change since Oct 13, 2026 · 4.99% APR
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
910 3rd St, Moundsville, WV, 26041 1605
Titled vehicles 48 month term Loan
4.99%
48 months
▼
APR4.99%
Interest Rate4.99%
Term48 months
Last UpdatedOct 13, 2026
Details
$3000+; Titled vehicle loan; Loan amount: $3000+
Rate History
No change since Oct 13, 2026 · 4.99% APR
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
105 Adair St, Beckley, WV, 25801 3733
Used Auto Loan
4.99%
72 Month Max
▼
APR4.99%
Term72 Month Max
Last UpdatedOct 15, 2026
Details
As Low As; with approved credit; 9 years old max, must payoff by 13th year of life; Effective as of 10/01/2025
Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 5 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 73-84 Months
5.00%
73-84 months
▼
APR5.00%
Term73-84 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 5.00% APR · checked 2 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 22, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 7 times
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1122 7TH AVE, HUNTINGTON, WV, 25701
Vehicle Loans - New Car
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Term: 36, 48, 60, 72 Months
Rate History
No change since Oct 15, 2026 · 5.00% APR
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.00% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.00% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.00% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 6.75% → 5.00% ▼ 1.75 pts · high 6.75% / low 4.25%
- Oct 15, 20265.00%▲ from 4.25%
- Oct 13, 20264.25%▼ from 6.75%
- Sep 14, 20266.75%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 4.00%
- Oct 15, 20265.00%▲ from 4.00%
- Oct 13, 20264.00%▼ from 6.00%
- Sep 14, 20266.00%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.00%
37-48 Months
▼
APR5.00%
Interest Rate5.00%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.00%
49-60 Months
▼
APR5.00%
Interest Rate5.00%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
New Auto A+ Credit Score above 740
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 6 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 5.00% APR
Rate History
No change since Oct 22, 2026 · 5.00% APR
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
809 Division St, Parkersburg, WV, 26101 6048
Vehicle Loans - 72 months
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 19, 2026
Details
As Low As; Annual percentage rates may be as low as*; All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
5.03%
48 months
▼
APR5.03%
Term48 months
Last UpdatedOct 19, 2026
Details
Type: Used 4 yrs or newer; Representative loan amount $30,000
Rate History
No change since Oct 19, 2026 · 5.03% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.58% → 5.08% ▲ 0.50 pts · high 5.08% / low 4.58%
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
5.12%
72 months
▼
APR5.12%
Term72 months
Last UpdatedOct 19, 2026
Details
Type: New; Representative loan amount $50,000
Rate History
No change since Oct 19, 2026 · 5.12% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $23.16; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.19% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 5.20% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 5.20% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 73-84 months
5.24%
73-84 months
▼
APR5.24%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV with $25K or more
Rate History
No change since Oct 15, 2026 · 5.24% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
Used Auto (20-23)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 10 times
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1500 Maccorkle Ave SE, Charleston, WV, 25396
New Vehicles and Motorcycles Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedOct 15, 2026
Details
APR range: 5.24% - 10.49%; Loan APRs are based on credit worthiness
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 10 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Interest Rate5.24%
Term84 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700); Amount: greater than $25,000; GAP Insurance required on terms greater than 60 months; Tier columns A-D in page loan matrix order
Rate History
No change since Oct 15, 2026 · 5.24% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
5.24%
60 Months
▼
APR5.24%
Interest Rate5.24%
Term60 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 5.24% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
5.24%
72 Months
▼
APR5.24%
Interest Rate5.24%
Term72 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier A (700); Amount: greater than $15,000; GAP Insurance required on terms greater than 60 months
Rate History
No change since Oct 15, 2026 · 5.24% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
5.24%
36 Months
▼
APR5.24%
Interest Rate5.24%
Term36 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 5.24% APR
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedOct 22, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 7 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.25% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV, 25301 2513
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedOct 15, 2026
Details
1% discount for auto pay loans
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 & newer
Rate History
1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
- Sep 25, 20265.25%▲ from 4.99%
- Sep 17, 20264.99%first recorded
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
Auto Loan
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2019-2023
Rate History
1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
- Sep 25, 20265.25%▲ from 4.99%
- Sep 17, 20264.99%first recorded
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3143 Frankfort Hwy, Ridgeley, WV, 26753 8707
First Time Car Buyer Auto Loan
5.25%
0-60 months
▼
APR5.25%
Term0-60 months
Last UpdatedOct 15, 2026
Details
As Low As; 2022 & Newer; with less than 45,000 miles
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 5 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.25%
0-36 Months
▼
APR5.25%
Interest Rate5.25%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
910 3rd St, Moundsville, WV, 26041 1605
Titled vehicles 60 month term Loan
5.25%
60 months
▼
APR5.25%
Interest Rate5.25%
Term60 months
Last UpdatedOct 13, 2026
Details
$8000+; Titled vehicle loan; Loan amount: $8000+
Rate History
No change since Oct 13, 2026 · 5.25% APR
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 5.25% APR
Rate History
No change since Oct 22, 2026 · 5.25% APR
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
Used Auto Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2024-2026
Rate History
No change since Oct 22, 2026 · 5.25% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 5.29% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.81% → 5.31% ▲ 0.50 pts · high 5.31% / low 4.81%
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $5,000+; Payment Example per $1,000 Borrowed: $19.09; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.39% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 5.39% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 36 Months Auto Loan
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedOct 15, 2026
Details
Used Vehicle Financing; Model Year: 2023; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.39% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.39% APR
Riverview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
502 Grand Central Ave, Vienna, WV, 26105
Vehicle Loans
5.48%
60 months
▼
APR5.48%
Term60 months
Last UpdatedOct 19, 2026
Details
Type: Used 4 yrs or newer; Representative loan amount $30,000
Rate History
No change since Oct 19, 2026 · 5.48% APR
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 5.49% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.20% → 5.49% ▼ 0.71 pts · high 6.20% / low 5.49%
- Sep 17, 20265.49%▼ from 6.20%
- Sep 14, 20266.20%first recorded
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2022-2018
Rate History
1 change since Sep 14, 2026 · 6.49% → 5.49% ▼ 1.00 pts · high 6.49% / low 5.49%
- Sep 17, 20265.49%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0150
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 10 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Vehicle Loan
5.49%
48 Months
▼
APR5.49%
Interest Rate5.49%
Term48 Months
Last UpdatedOct 15, 2026
Details
Beacon Score Tier B (660-699)
Rate History
No change since Oct 15, 2026 · 5.49% APR
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
2024-2022 Used Vehicle Loan
5.49%
Up to 60 payments
▼
APR5.49%
Interest Rate5.49%
TermUp to 60 payments
Last UpdatedOct 15, 2026
Details
Loans $19,999.99 and under; 95% of NADA Retail
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 2 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
New Vehicle Loan
5.49%
Up to 72 payments
▼
APR5.49%
Interest Rate5.49%
TermUp to 72 payments
Last UpdatedOct 15, 2026
Details
Car loans over $20,000.00
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 2 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2023
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 22, 2026
Details
Age: 3-5 Model Years old
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 7 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.50% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
5.50%
84 months
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
Rate History
No change since Oct 15, 2026 · 5.50% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
5.50%
72 months
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.50% APR
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
1945 Edwin Miller Blvd, Martinsburg, WV, 25404 6387
New Autos
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedOct 22, 2026
Details
As Low As; Rates Are Based On Credit Score
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 11 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 7.25% → 5.50% ▼ 1.75 pts · high 7.25% / low 4.75%
- Oct 15, 20265.50%▲ from 4.75%
- Oct 13, 20264.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.52%
901 Market St, Wheeling, WV, 26003 2918
New Vehicle Motorcycles Mobile Homes Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: 2022 or 2023; Maximum: 100% of retail; Required Credit Score: 650
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
37-48 Months
▼
APR5.50%
Interest Rate5.50%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
49-60 Months
▼
APR5.50%
Interest Rate5.50%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
72 Months
▼
APR5.50%
Interest Rate5.50%
Term72 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan; Loan over $20000
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 8 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
New Auto A Credit Score 700-739
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
Powered by
MonitorBankRates
West Virginia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 15, 2026
Details
As Low As
Rate History
No change since Oct 12, 2026 · 2.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 0-48 Months
2.99%
0-48 months
▼
APR2.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026
Rate History
No change since Oct 15, 2026 · 2.99% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New and Used Auto Loans
2.99%
Up to 84 months
▼
APR2.99%
TermUp to 84 months
Last UpdatedOct 19, 2026
Details
As Low As; financing terms up to 84 months, certain restrictions apply; up to 100% of MSRP (new) or retail value (used); debt protection, extended warranty and GAP insurance offered
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 19, 2026
Details
As Low As; APR as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; APR as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 12, 2026 · 3.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 12, 2026 · 3.49% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 5 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 49-60 Months
3.74%
49-60 months
▼
APR3.74%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 15, 2026 · 3.74% APR
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 3.75% APR
Rate History
No change since Oct 22, 2026 · 3.75% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) Auto 0-48 months
3.99%
0-48 months
▼
APR3.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 3.99% APR
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
105 Adair St, Beckley, WV, 25801 3733
New Auto Loan
3.99%
84 Month Max
▼
APR3.99%
Term84 Month Max
Last UpdatedOct 15, 2026
Details
As Low As; with approved credit; Effective as of 10/01/2025
Rate History
No change since Sep 21, 2026 · 3.99% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 1-36 Months
4.00%
1-36 months
▼
APR4.00%
Term1-36 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.00% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV, 26101
NEW Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 15, 2026
Details
Amount: up to $23,000; Rate range: 4.00% - 11.50% APR
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 7 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 49-60 months
4.24%
49-60 months
▼
APR4.24%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 12, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 61-72 Months
4.24%
61-72 months
▼
APR4.24%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 15, 2026 · 4.24% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 10 times
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0116
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
New Auto Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Featured Rates
Rate History
No change since Sep 25, 2026 · 4.24% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 37-48 Months
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.25% APR · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 5 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 10 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 49-60 Months
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.50% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.50% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.50% ▼ 2.00 pts · high 6.50% / low 4.50%
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
1945 Edwin Miller Blvd, Martinsburg, WV, 25404 6387
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 22, 2026
Details
As Low As; Rates Are Based On Credit Score
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 11 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2024 New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2025-2024 New
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.50%
0-36 Months
▼
APR4.50%
Interest Rate4.50%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 7 times
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1512 Mary Lou Retton Dr, Fairmont, WV, 26554
New Car Loans 2023 - current
4.50%
Up to 84 months
▼
APR4.50%
Interest Rate4.50%
TermUp to 84 months
Last UpdatedOct 15, 2026
Details
As Low As; Rates effective 12/01/2025
Rate History
No change since Oct 13, 2026 · 4.50% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.54% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.64% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $43.81; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.74% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 73-84 Months
4.74%
73-84 months
▼
APR4.74%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 15, 2026 · 4.74% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1500 Maccorkle Ave SE, Charleston, WV, 25396
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedOct 15, 2026
Details
APR range: 4.74% - 10.49%; Loan APRs are based on credit worthiness
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 10 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 61-72 Months
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 4.75% APR · checked 2 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.75% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.75% ▼ 1.75 pts · high 6.50% / low 4.75%
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.75%
0-36 Months
▼
APR4.75%
Interest Rate4.75%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
4.75%
37-48 Months
▼
APR4.75%
Interest Rate4.75%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 4.75% APR
Rate History
No change since Oct 22, 2026 · 4.75% APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
901 6th Ave, Huntington, WV, 25701
New Auto Loans - 2026 New Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 22, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.75% APR · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $29.98; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.89% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 3 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 61-72 months
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.99% APR
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0137
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
New Vehicle Loan
4.99%
Up to 60 payments
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 payments
Last UpdatedOct 15, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.99% APR · checked 2 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
New Vehicle Loan - 73-84 Months
5.00%
73-84 months
▼
APR5.00%
Term73-84 months
Last UpdatedOct 22, 2026
Details
APR* footnote marker present in column header
Rate History
No change since Oct 15, 2026 · 5.00% APR · checked 2 times
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1122 7TH AVE, HUNTINGTON, WV, 25701
Vehicle Loans - New Car
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Term: 36, 48, 60, 72 Months
Rate History
No change since Oct 15, 2026 · 5.00% APR
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.00% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.00% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.00%
37-48 Months
▼
APR5.00%
Interest Rate5.00%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.00%
49-60 Months
▼
APR5.00%
Interest Rate5.00%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 7 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
New Auto A+ Credit Score above 740
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 6 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 5.00% APR
Rate History
No change since Oct 22, 2026 · 5.00% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.58% → 5.08% ▲ 0.50 pts · high 5.08% / low 4.58%
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $23.16; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - New Cars and Trucks
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 5.20% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 73-84 months
5.24%
73-84 months
▼
APR5.24%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV with $25K or more
Rate History
No change since Oct 15, 2026 · 5.24% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
New Auto
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 10 times
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
1500 Maccorkle Ave SE, Charleston, WV, 25396
New Vehicles and Motorcycles Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedOct 15, 2026
Details
APR range: 5.24% - 10.49%; Loan APRs are based on credit worthiness
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 10 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.25% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
300 VIRGINIA ST E RM 4203, CHARLESTON, WV, 25301 2513
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedOct 15, 2026
Details
1% discount for auto pay loans
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.25%
0-36 Months
▼
APR5.25%
Interest Rate5.25%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 7 times
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
New Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2026/2027; Rate (as printed): As low as 5.25% APR
Rate History
No change since Oct 22, 2026 · 5.25% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.81% → 5.31% ▲ 0.50 pts · high 5.31% / low 4.81%
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
New Automobile Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $5,000+; Payment Example per $1,000 Borrowed: $19.09; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.39% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
New Vehicle Loan
5.49%
Up to 72 payments
▼
APR5.49%
Interest Rate5.49%
TermUp to 72 payments
Last UpdatedOct 15, 2026
Details
Car loans over $20,000.00
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 2 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New Auto Loans
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 19, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.50% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
New Vehicle Auto Loan
5.50%
84 months
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 15, 2026
Details
Model Year: 2026, 2025, 2024 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
Rate History
No change since Oct 15, 2026 · 5.50% APR
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
1945 Edwin Miller Blvd, Martinsburg, WV, 25404 6387
New Autos
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedOct 22, 2026
Details
As Low As; Rates Are Based On Credit Score
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 11 times
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.52%
901 Market St, Wheeling, WV, 26003 2918
New Vehicle Motorcycles Mobile Homes Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: 2022 or 2023; Maximum: 100% of retail; Required Credit Score: 650
Rate History
No change since Oct 13, 2026 · 5.50% APR · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
37-48 Months
▼
APR5.50%
Interest Rate5.50%
Term37-48 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
49-60 Months
▼
APR5.50%
Interest Rate5.50%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
New Autos
5.50%
72 Months
▼
APR5.50%
Interest Rate5.50%
Term72 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan; Loan over $20000
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 7 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 8 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
New Auto A Credit Score 700-739
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
Powered by
MonitorBankRates
West Virginia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 15, 2026
Details
As Low As
Rate History
No change since Oct 12, 2026 · 2.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 0-48 Months
2.99%
0-48 months
▼
APR2.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026
Rate History
No change since Oct 15, 2026 · 2.99% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
New and Used Auto Loans
2.99%
Up to 84 months
▼
APR2.99%
TermUp to 84 months
Last UpdatedOct 19, 2026
Details
As Low As; financing terms up to 84 months, certain restrictions apply; up to 100% of MSRP (new) or retail value (used); debt protection, extended warranty and GAP insurance offered
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2023
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 12, 2026 · 3.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 12, 2026 · 3.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 49-60 Months
3.74%
49-60 months
▼
APR3.74%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 15, 2026 · 3.74% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
3.74%
0-48 Months
▼
APR3.74%
Term0-48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 3.74% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 9 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) Auto 0-48 months
3.99%
0-48 months
▼
APR3.99%
Term0-48 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 3.99% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
1822 7th St, Parkersburg, WV, 26101
Used Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 15, 2026
Details
APR range: 4.00% - 12.25% APR; 100% of NADA Retail; Cars over 6 years old: max term 48 months; Cars over 10 years old: max term 36 months
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 10 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 49-60 months
4.24%
49-60 months
▼
APR4.24%
Term49-60 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 12, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 61-72 Months
4.24%
61-72 months
▼
APR4.24%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 15, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.24% APR · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.49%
61-72 Months
▼
APR4.49%
Term61-72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.49% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 10 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.50% ▼ 2.00 pts · high 6.50% / low 4.50%
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.54% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; As Low As; Switch and Save program; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 4.59% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.64% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 4.69% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 4.74% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
New or Used Vehicle Loans - Used Model Years 2024-2026 - 73-84 Months
4.74%
73-84 months
▼
APR4.74%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Used Model Years 2024-2026; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 15, 2026 · 4.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
36 GM Access Rd, Martinsburg, WV, 25403
Used Auto Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Featured Rates
Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 4.75% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 6.50% → 4.75% ▼ 1.75 pts · high 6.50% / low 4.75%
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 9 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
901 6th Ave, Huntington, WV, 25701
Used Auto Loans - 2019-2020 Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 22, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.75% APR · checked 3 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 3 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 61-72 months
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Oct 15, 2026 · 4.99% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
459 New Creek Hwy, Keyser, WV, 26726 9537
Used Vehicle Loan - Model Years 2021-2023
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 4.99% APR · checked 2 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.24% → 4.99% ▼ 1.25 pts · high 6.24% / low 4.99%
- Sep 17, 20264.99%▼ from 6.24%
- Sep 14, 20266.24%first recorded
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.49% → 4.99% ▼ 1.50 pts · high 6.49% / low 4.99%
- Sep 17, 20264.99%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
105 Adair St, Beckley, WV, 25801 3733
Used Auto Loan
4.99%
72 Month Max
▼
APR4.99%
Term72 Month Max
Last UpdatedOct 15, 2026
Details
As Low As; with approved credit; 9 years old max, must payoff by 13th year of life; Effective as of 10/01/2025
Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 5 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 22, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 7 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.00% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.00% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 730+; Grade of Paper: A+; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 6.75% → 5.00% ▼ 1.75 pts · high 6.75% / low 4.25%
- Oct 15, 20265.00%▲ from 4.25%
- Oct 13, 20264.25%▼ from 6.75%
- Sep 14, 20266.75%first recorded
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 4.00%
- Oct 15, 20265.00%▲ from 4.00%
- Oct 13, 20264.00%▼ from 6.00%
- Sep 14, 20266.00%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.58% → 5.08% ▲ 0.50 pts · high 5.08% / low 4.58%
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 5.19% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.19% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1438 6th Ave, Huntington, WV, 25701 2421
Vehicle Loans - Used Cars and Trucks
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 15, 2026
Details
As Low As; Rate and APR as low as; APR based on $25,000 loan with $150 origination fee; Rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, and Desco Credit Card
Rate History
No change since Oct 13, 2026 · 5.20% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
New/Used Auto (2024-NEWER) 73-84 months
5.24%
73-84 months
▼
APR5.24%
Term73-84 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV with $25K or more
Rate History
No change since Oct 15, 2026 · 5.24% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
1015 Florida Ave, Keyser, WV, 26726
Used Auto (20-23)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 15, 2026
Details
As Low As; Up to 110% LTV
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedOct 22, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 7 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.25% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
788 N State Route 2, New Martinsville, WV, 26155
New/Used Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 15, 2026
Details
Score: 680 - 729; Grade of Paper: A; Secured Advances
Rate History
1 change since Sep 17, 2026 · 7.00% → 5.25% ▼ 1.75 pts · high 7.00% / low 5.25%
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Preston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
434 E MAIN ST, KINGWOOD, WV, 26537 1722
Used Auto Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2024-2026
Rate History
No change since Oct 22, 2026 · 5.25% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 5.29% APR
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
New/Used Auto & Harley Davidson 2023 & Newer
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 15, 2026
Details
As Low As; % Financed: Up to 100%; Rates quoted apply to new vehicles 2023 and newer
Rate History
1 change since Sep 14, 2026 · 4.81% → 5.31% ▲ 0.50 pts · high 5.31% / low 4.81%
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 2025 Model Year
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2025; 100% Financing; Rates effective 1-2-26; $50 minimum payment; Bonus: $250 cash for switching or approved vehicle loan
Rate History
No change since Oct 15, 2026 · 5.39% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing - 36 Months Auto Loan
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedOct 15, 2026
Details
Used Vehicle Financing; Model Year: 2023; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.39% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.39% APR
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
1830 Roxalana Rd, Dunbar, WV, 25064 2705
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedOct 15, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Used Automobile Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 15, 2026
Details
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Rate History
No change since Oct 12, 2026 · 5.49% APR · checked 2 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
3501 Main St, Weirton, WV, 26062
Used Vehicle Financing 2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedOct 15, 2026
Details
Model Year: 2024; 100% Financing; Rates effective 1-2-26
Rate History
No change since Oct 15, 2026 · 5.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
1 change since Sep 14, 2026 · 6.20% → 5.49% ▼ 0.71 pts · high 6.20% / low 5.49%
- Sep 17, 20265.49%▼ from 6.20%
- Sep 14, 20266.20%first recorded
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
62 W Main St, Romney, WV, 26757 1638
Used Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedOct 22, 2026
Details
As Low As; Model Year: 2022-2018
Rate History
1 change since Sep 14, 2026 · 6.49% → 5.49% ▼ 1.00 pts · high 6.49% / low 5.49%
- Sep 17, 20265.49%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedOct 15, 2026
Details
Daily Periodic Rate: .0150
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 10 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
101 ROOSEVELT BLVD, ELEANOR, WV, 25070
2024-2022 Used Vehicle Loan
5.49%
Up to 60 payments
▼
APR5.49%
Interest Rate5.49%
TermUp to 60 payments
Last UpdatedOct 15, 2026
Details
Loans $19,999.99 and under; 95% of NADA Retail
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 2 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2023
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
500 Virginia Ave, Huntington, WV, 25701
Used Auto Loans - 2024-2026
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 19, 2026
Details
As Low As; Used Auto Loans advertised as low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
925 White Oaks Blvd, Bridgeport, WV, 26330
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 22, 2026
Details
Age: 3-5 Model Years old
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 7 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto - Models 2024 And Newer
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2024 And Newer; Rates effective: October 13th, 2026
Rate History
No change since Oct 15, 2026 · 5.50% APR
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
3316 MAIN St, WEIRTON, WV, 26062 4704
Used Vehicle Auto Loan
5.50%
72 months
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedOct 15, 2026
Details
Model Year: '23 - '25; Credit Score: (A+) 725 credit score rating
Rate History
No change since Oct 15, 2026 · 5.50% APR
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
2025-2021 Used Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedOct 15, 2026
Details
As Low As; Auto loan APR
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 9 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
315 Buckhannon Pike, Nutter Fort, WV, 26301
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedOct 15, 2026
Details
As Low As; Model Year: 2020-2017 Used Auto
Rate History
2 changes since Sep 14, 2026 · 7.25% → 5.50% ▼ 1.75 pts · high 7.25% / low 4.75%
- Oct 15, 20265.50%▲ from 4.75%
- Oct 13, 20264.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
384 Penco Rd, Weirton, WV, 26062
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 15, 2026
Details
Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 8 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 13, 2026
Details
APR Type: Fixed; Rates as of 6/12/2012
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
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West Virginia Auto Loan Rate Trends
Compare local West Virginia 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 WV Avg
5.056%
▲ 0.057 vs 7 days ago
West Virginia new auto rates rose 0.057 points over the past 7 days to 5.056% APR.
Used Auto Loan WV Avg
5.818%
▼ 0.033 vs 7 days ago
West Virginia used auto rates fell 0.033 points over the past 7 days to 5.818% APR.
As of Oct 22, 2026 • Rate data sourced from 8,500+ monitored institutions
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West Virginia Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current West Virginia figures.
Current New Auto Avg
5.06%
APR, as of Oct 22, 2026
6-Month Forecast
5.14%
Fed hold assumed
12-Month Forecast
5.21%
Range: 4.86% to 5.41%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average West 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 @ 5.06% APR WV average | Used Auto @ 5.82% APR WV average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.46/mo | $288.72/mo | $5.27/mo |
| $25,000 | $472.43/mo | $481.21/mo | $8.78/mo |
| $35,000 | $661.40/mo | $673.69/mo | $12.29/mo |
| $45,000 | $850.37/mo | $866.17/mo | $15.80/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.
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How to Get the Best Auto Loan Rate in West Virginia
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving West 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 West 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?
- Saving up for a bigger down payment: park it in a West Virginia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: West Virginia CD rates lock in a guaranteed return until you’re ready to buy
West Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$40,236
Median Individual Earnings
National avg: $47,340
5.4%
Unemployment Rate
National avg: 4.8%
16.7%
Poverty Rate
National avg: 11.1%
$567/mo
Payment on a $30K / 60-mo Loan
At WV new-auto avg 5.06% APR
A $567 monthly car payment works out to roughly 16.9% of the median individual income in West Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in West 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 to 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 to 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 West Virginia. We’ve prefilled the APR with today’s WV 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 West 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 West 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 West 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 WV.
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.
Bad Credit Auto Loans in West Virginia
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
Avg. new car loan we track: 5.93% APR Avg. used car loan we track: 6.66% APR
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
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Frequently Asked Questions about Auto Loans in West Virginia
How does my credit score affect my car loan rate in West Virginia?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in West 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 West 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 West 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 West Virginia?
Yes. A preapproval from a bank or credit union serving West 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 West 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.
Can I get an auto loan with bad credit in West Virginia?
Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.
What is the average car loan rate for bad credit?
According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.
What are the best Auto Loan rates in West Virginia?
Based on our current data, some of the lowest auto loan rates available in West Virginia include:
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans - New Model 2026 and Newer)
- First Priority Federal Credit Union: 2.99% (New and Used Auto Loans)
- Eastern Panhandle Federal Credit Union: 3.24% (Vehicle Loan)
- First Peoples Community Federal Credit Union: 3.49% (Auto Loan)
- Harrison County Federal Credit Union: 3.50% (2025-2024 New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 22, 2026
West Virginia Rates & Resources
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West Virginia Auto Loan Calculator
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