South Charleston, WV 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 South Charleston, West Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
South Charleston, West Virginia auto loan rates range from 2.49% to 6.80% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in South Charleston, West Virginia include West Virginia Federal Credit UnionWest Virginia Federal Credit Union318 5th Ave, South Charleston, WV, 25303 1240A+5.0 ★Texas Ratio: 2.10% offering New Used Auto & Harley Davidson at 4.60%, Chase BankChase Bank505 D St, South Charleston, WV, 25303A+5.0 ★Texas Ratio: 3.68% offering New car purchase Loan at 6.24%, WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering New or Used Vehicle Loans - New Model 2026 and Newer at 2.49%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering 72-Month Auto Loan Promo at 2.99%, First Priority Federal Credit UnionFirst Priority Federal Credit UnionA+5.0 ★Texas Ratio: 3.37% offering New and Used Auto Loans at 2.99%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
South Charleston has 2 local institutions in our database, with auto loan rates as low as 4.60% APR from West Virginia Federal Credit Union at 318 5th Ave, South Charleston, WV, 25303 1240. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Charleston, West Virginia. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in South Charleston, West Virginia & Surrounding Area
South Charleston Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 4.60% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.08% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.31% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.56%
66 Months
▼
APR5.56%
Interest Rate5.49%
Term66 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.56% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.80%
75 Months
▼
APR5.80%
Interest Rate5.74%
Term75 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.80% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2020-2022
6.06%
Up to 60 Months
▼
APR6.06%
Interest Rate5.99%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details
Rate History
1 change since Sep 14, 2026 · 5.56% → 6.06% ▲ 0.50 pts · high 6.06% / low 5.56%
- Oct 5, 20266.06%▲ from 5.56%
- Sep 14, 20265.56%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2018-2019
6.08%
48 Months
▼
APR6.08%
Interest Rate5.99%
Term48 Months
Last UpdatedOct 9, 2026
Details
Term: 48 Months 2018 to 2019
Rate History
1 change since Sep 14, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58%
- Oct 5, 20266.08%▲ from 5.58%
- Sep 14, 20265.58%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2018-2019
6.10%
36 Months
▼
APR6.10%
Interest Rate5.99%
Term36 Months
Last UpdatedOct 9, 2026
Details
Term: 36 Months- 2017 & Older
Rate History
1 change since Sep 14, 2026 · 5.61% → 6.10% ▲ 0.49 pts · high 6.10% / low 5.61%
- Oct 5, 20266.10%▲ from 5.61%
- Sep 14, 20265.61%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details
Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details
Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
6.80%
84 Months
▼
APR6.80%
Interest Rate6.74%
Term84 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 6.80% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 2.49% APR
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
72-Month Auto Loan Promo
2.99%
72 months
▼
APR2.99%
Term72 months
Last UpdatedOct 9, 2026
Details
2024 & newer: with less than 45,000 miles and valued at $15,000 or more
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 4 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
With qualifying credit and direct deposit with automatic payment.
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2023
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
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%
Used Auto - 2024-2026
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
2.99%
0-48 Months
▼
APR2.99%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 2.99% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 12, 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 · 3.24% APR
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 12, 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 · 3.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
3.49%
36 months
▼
APR3.49%
Interest Rate3.49%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 5 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
3.49%
48 months
▼
APR3.49%
Interest Rate3.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 4 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
3.74%
49-60 Months
▼
APR3.74%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 3.74% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
3.74%
0-48 Months
▼
APR3.74%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Oct 12, 2026 · 3.74% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
3.74%
36 months
▼
APR3.74%
Interest Rate3.74%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 7 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
3.75%
37-48 months
▼
APR3.75%
Term37-48 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 3.75% APR · checked 2 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Autos Loan
3.99%
84 Month Max
▼
APR3.99%
Term84 Month Max
Last UpdatedOct 9, 2026
Details
As low as; with approved credit
Rate History
No change since Oct 9, 2026 · 3.99% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedOct 12, 2026
Details
As Low As; Auto 0-48 months (up to 110%)
Rate History
No change since Oct 12, 2026 · 3.99% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
Used Vehicle Loan
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 4.00% - 12.25%.
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 3 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 3 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.00%
1-36 Months
▼
APR4.00%
Term1-36 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 7 times
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2026-2024 Loan
4.23%
72 months
▼
APR4.23%
Interest Rate4.00%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2024
Rate History
No change since Oct 8, 2026 · 4.23% APR · checked 2 times
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.24%
12 Months
▼
APR4.24%
Interest Rate3.24%
Term12 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 4.24% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; 49-60 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 12, 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 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
4.24%
61-72 Months
▼
APR4.24%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 12, 2026 · 4.24% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
4.24%
60 months
▼
APR4.24%
Interest Rate4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2019-2023 Auto Loan
4.25%
0-36 months
▼
APR4.25%
Term0-36 months
Last UpdatedOct 9, 2026
Details
As low as; 2019-2023
Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
4.25%
49-60 months
▼
APR4.25%
Term49-60 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2019-2023 Auto Loan
4.49%
37-48 months
▼
APR4.49%
Term37-48 months
Last UpdatedOct 9, 2026
Details
As low as; 2019-2023
Rate History
No change since Oct 5, 2026 · 4.49% APR · checked 2 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.49%
24 Months
▼
APR4.49%
Interest Rate3.49%
Term24 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 4.49% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.49%
61-72 Months
▼
APR4.49%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 12, 2026 · 4.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
4.49%
72 months
▼
APR4.49%
Interest Rate4.49%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 4 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
4.50%
0-36 months
▼
APR4.50%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 4.50% APR
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.50%
49-60 Months
▼
APR4.50%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 7 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicle Financing
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.
Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 5 times
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Switch Your Vehicle Loan
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details
Rates as low at 4.59%APR*; Affordable Payment Options; No Application Fees or Hidden Charges; $250 Cash just for Switching; Just bring in your VIN Number, Insurance Information, and Contact Information from Your Current Financial Institution!; Rates Effective January 2, 2026; All loans subject to credit approval. 4.59% APR is based on 2025-2026 vehicles financed for 36 months. Rates subject to changes without notice. Additional rates and terms available. A payment example of 4.59% APR for 36 months would be Contact the Credit Union for additional rate information. $50 minimum payment. $250 cash applies only to approved vehicle and motorcycle loans. Terms and rates not available for purchase or refinance of commercial use vehicles. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. $250 cash may be subject to income tax and reimbursement if the loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change without notice. Federally insured by NCUA. Membership eligibility required.
Rate History
No change since Sep 25, 2026 · 4.59% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 4.69% APR
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2026-2024 Loan
4.69%
84 months
▼
APR4.69%
Interest Rate4.50%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2024
Rate History
No change since Oct 8, 2026 · 4.69% APR · checked 2 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
- Sep 25, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
- Sep 25, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 4.74% - 10.49%.
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 4.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.74%
12 Months
▼
APR4.74%
Interest Rate3.74%
Term12 Months
Last UpdatedOct 9, 2026
Details
Used Vehicle, Motorcycle
Rate History
No change since Oct 9, 2026 · 4.74% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
4.74%
73-84 Months
▼
APR4.74%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 4.75% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Alloy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
Autos,Boats, Motorcycles
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedOct 9, 2026
Details
Grade Of Paper: Platinum
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 9, 20264.75%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Alloy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
Autos,Boats, Motorcycles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details
Grade Of Paper: Platinum
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 9, 20264.75%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Alloy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
Autos,Boats, Motorcycles
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details
Grade Of Paper: Platinum
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 9, 20264.75%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Alloy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
Autos,Boats, Motorcycles
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details
Grade Of Paper: Platinum
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 9, 20264.75%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Alloy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
Autos,Boats, Motorcycles
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedOct 9, 2026
Details
Grade Of Paper: Platinum
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 9, 20264.75%▲ from 3.75%
- Sep 17, 20263.75%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
4.75%
0-36 months
▼
APR4.75%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 4.75% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
4.75%
37-48 months
▼
APR4.75%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 4.75% APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
2019-2020 Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
2026 New Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
4.75%
66 months
▼
APR4.75%
Term66 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.89% APR
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.99%
48 Months
▼
APR4.99%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 4.99% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
4.99%
24 Months
▼
APR4.99%
Interest Rate3.99%
Term24 Months
Last UpdatedOct 9, 2026
Details
Used Vehicle, Motorcycle
Rate History
No change since Oct 9, 2026 · 4.99% APR
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Vehicles
4.99%
Up to 60 payments
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 payments
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Titled vehicles Loan
4.99%
48 months
▼
APR4.99%
Interest Rate4.99%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Titled vehicles Loan
4.99%
24 months
▼
APR4.99%
Interest Rate4.99%
Term24 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Titled vehicles Loan
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Used Autos Loan
4.99%
72 Month Max
▼
APR4.99%
Term72 Month Max
Last UpdatedOct 9, 2026
Details
As low as; with approved credit; 9 years old max, must payoff by 13th year of life
Rate History
No change since Oct 9, 2026 · 4.99% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 9, 2026
Details
As low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; 61-72 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; up to 110%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 12, 2026 · 4.99% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 12, 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%
Used Auto
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 12, 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
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 8 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
5.00%
37-48 months
▼
APR5.00%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 5.00% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 49-60 Months
5.00%
49-60 months
▼
APR5.00%
Term49-60 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 5.00% APR
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto A+ Credit Score above 740
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 5 times
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 12, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
New Car Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 12, 2026
Details
Term: 36, 48, 60, 72 Months
Rate History
No change since Oct 8, 2026 · 5.00% APR · checked 2 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00%
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.19% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 5.19% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
- Sep 25, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
- Sep 25, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.24%
2022 - 2026
▼
APR5.24%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details
As Low As
Rate History
No change since Sep 29, 2026 · 5.24% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.24% - 10.49%.
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
5.24%
60 Months
▼
APR5.24%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 5.24% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
5.24%
36 Months
▼
APR5.24%
Interest Rate4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details
Used Vehicle, Motorcycle
Rate History
No change since Oct 9, 2026 · 5.24% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; 73-84 months (up to 110% $25K or more)
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Auto (20-23)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; up to 110%
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
5.24%
84 months
▼
APR5.24%
Interest Rate5.24%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
NEW AUTO
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details
1% discount for auto pay loans*
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2019-2023 Auto Loan
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedOct 9, 2026
Details
As low as; 2019-2023
Rate History
No change since Oct 5, 2026 · 5.25% APR · checked 2 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 5.25% APR · checked 2 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
First Time Car Buyer Auto Loan
5.25%
0-60 months
▼
APR5.25%
Term0-60 months
Last UpdatedOct 9, 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 3 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
5.25%
0-36 months
▼
APR5.25%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: B
Rate History
No change since Oct 9, 2026 · 5.25% APR
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Titled vehicles Loan
5.25%
60 months
▼
APR5.25%
Interest Rate5.25%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedOct 12, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.39% APR
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Auto Loan
5.39%
36 Months
▼
APR5.39%
Term36 Months
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 5.69%, 6.09%, 6.49%, 6.59%.
Rate History
1 change since Sep 16, 2026 · 6.09% → 5.39% ▼ 0.70 pts · high 6.09% / low 5.39%
- Oct 8, 20265.39%▼ from 6.09%
- Sep 16, 20266.09%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Business Auto Loan
5.49%
2021 - 2025
▼
APR5.49%
Term2021 - 2025
Last UpdatedSep 29, 2026
Details
As Low As
Rate History
No change since Sep 29, 2026 · 5.49% APR
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
5.49%
48 Months
▼
APR5.49%
Interest Rate4.49%
Term48 Months
Last UpdatedOct 9, 2026
Details
Used Vehicle, Motorcycle
Rate History
No change since Oct 9, 2026 · 5.49% APR
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2024-2022 Used Vehicles
5.49%
up to 60 months
▼
APR5.49%
Interest Rate5.49%
Termup to 60 months
Last UpdatedOct 9, 2026
Details
Term: Up to 60 payments Loans $19,999.99 and under - 95% of NADA Retail
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Vehicles
5.49%
up to 72 months
▼
APR5.49%
Interest Rate5.49%
Termup to 72 months
Last UpdatedOct 9, 2026
Details
Term: Up to 72 payments, Car loans over $20,000.00
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 9, 2026
Details
As low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2023
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 5.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 12, 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%
Used Auto
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 12, 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
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Autos
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Used autos 5yrs and more in age
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Used autos 5yrs and more in age: are the same rate plus add 1.00% and terms as new autos
Rate History
No change since Oct 5, 2026 · 5.50% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.52%
New Vehicle Motorcycles Mobile Homes - 2022 or 2023 Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details
Maximum: 100% of retail; Required Credit Score: 650
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: B
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 49-60 Months
5.50%
49-60 months
▼
APR5.50%
Term49-60 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 9, 2026
Details
Over $20000; Credit Rating: A+
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto A Credit Score 700-739
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 5 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 5 times
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Titled vehicles Loan
5.50%
72 months
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 7 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details
Age: 3-5 Model Years old
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
5.50%
84 months
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 7 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
5.50%
72 months
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.59% APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $5,000+
Rate History
No change since Oct 12, 2026 · 5.59% APR
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Vehicle Loans
5.60%
84 months
▼
APR5.60%
Term84 months
Last UpdatedOct 9, 2026
Details
Annual percentage rates may be as low as*
Rate History
No change since Sep 14, 2026 · 5.60% APR · checked 7 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.74%
2018 - 2021
▼
APR5.74%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details
As Low As
Rate History
No change since Sep 29, 2026 · 5.74% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.74% - 10.49%.
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 8 times
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles and Motorcycles Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.74% - 11.24%.
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 8 times
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
5.74%
72 Months
▼
APR5.74%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 9, 2026
Details
New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.)
Rate History
No change since Oct 9, 2026 · 5.74% APR
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
5.74%
60 Months
▼
APR5.74%
Interest Rate4.74%
Term60 Months
Last UpdatedOct 9, 2026
Details
Used Vehicle, Motorcycle
Rate History
No change since Oct 9, 2026 · 5.74% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2022
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2022
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 6 times
Powered by
MonitorBankRates
South Charleston New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 4.60% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.08% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.31% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.56%
66 Months
▼
APR5.56%
Interest Rate5.49%
Term66 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.56% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.80%
75 Months
▼
APR5.80%
Interest Rate5.74%
Term75 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.80% APR · checked 2 times
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details
Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
6.80%
84 Months
▼
APR6.80%
Interest Rate6.74%
Term84 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 6.80% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 2.49% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
With qualifying credit and direct deposit with automatic payment.
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 12, 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 · 3.24% APR
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
3.49%
0-36 months
▼
APR3.49%
Term0-36 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 12, 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 · 3.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
3.49%
36 months
▼
APR3.49%
Interest Rate3.49%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 5 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
3.49%
48 months
▼
APR3.49%
Interest Rate3.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 18, 2026 · 3.49% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 4 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
3.75%
37-48 months
▼
APR3.75%
Term37-48 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 3.75% APR · checked 2 times
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Autos Loan
3.99%
84 Month Max
▼
APR3.99%
Term84 Month Max
Last UpdatedOct 9, 2026
Details
As low as; with approved credit
Rate History
No change since Oct 9, 2026 · 3.99% APR
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedOct 12, 2026
Details
As Low As; Auto 0-48 months (up to 110%)
Rate History
No change since Oct 12, 2026 · 3.99% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 3 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 3 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.00%
1-36 Months
▼
APR4.00%
Term1-36 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.00% APR · checked 7 times
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; 49-60 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 12, 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 · 4.24% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
4.24%
60 months
▼
APR4.24%
Interest Rate4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
4.25%
49-60 months
▼
APR4.25%
Term49-60 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 5 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
4.49%
72 months
▼
APR4.49%
Interest Rate4.49%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedOct 9, 2026
Details
As Low As; Model Year: 2025 - 2024
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 4 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
4.50%
0-36 months
▼
APR4.50%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 4.50% APR
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.50%
49-60 Months
▼
APR4.50%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 7 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicle Financing
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.
Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 5 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
- Sep 25, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 4.74% - 10.49%.
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
4.75%
61-72 months
▼
APR4.75%
Term61-72 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 4.75% APR · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
4.75%
0-36 months
▼
APR4.75%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 4.75% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
4.75%
37-48 months
▼
APR4.75%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 4.75% APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
2026 New Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 5 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.89% APR
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Vehicles
4.99%
Up to 60 payments
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 payments
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 9, 2026
Details
As low as 2.99%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; 61-72 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
5.00%
37-48 months
▼
APR5.00%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 5.00% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 49-60 Months
5.00%
49-60 months
▼
APR5.00%
Term49-60 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Oct 9, 2026 · 5.00% APR
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto A+ Credit Score above 740
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicle Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
New Car Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedOct 12, 2026
Details
Term: 36, 48, 60, 72 Months
Rate History
No change since Oct 8, 2026 · 5.00% APR · checked 2 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00%
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.19% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
- Sep 25, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.24% - 10.49%.
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; 73-84 months (up to 110% $25K or more)
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
New Auto
5.24%
84 months
▼
APR5.24%
Interest Rate5.24%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026-2025
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
NEW AUTO
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details
1% discount for auto pay loans*
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2024 & newer Auto Loan
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedOct 9, 2026
Details
As low as; 2024 & newer
Rate History
No change since Oct 5, 2026 · 5.25% APR · checked 2 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 0-36 Months
5.25%
0-36 months
▼
APR5.25%
Term0-36 months
Last UpdatedOct 9, 2026
Details
Credit Rating: B
Rate History
No change since Oct 9, 2026 · 5.25% APR
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.39% APR
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Vehicles
5.49%
up to 72 months
▼
APR5.49%
Interest Rate5.49%
Termup to 72 months
Last UpdatedOct 9, 2026
Details
Term: Up to 72 payments, Car loans over $20,000.00
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New Auto Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 9, 2026
Details
As low as 2.99%
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Autos
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.52%
New Vehicle Motorcycles Mobile Homes - 2022 or 2023 Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details
Maximum: 100% of retail; Required Credit Score: 650
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 37-48 Months
5.50%
37-48 months
▼
APR5.50%
Term37-48 months
Last UpdatedOct 9, 2026
Details
Credit Rating: B
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 49-60 Months
5.50%
49-60 months
▼
APR5.50%
Term49-60 months
Last UpdatedOct 9, 2026
Details
Credit Rating: A
Rate History
No change since Oct 9, 2026 · 5.50% APR
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Autos - 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 9, 2026
Details
Over $20000; Credit Rating: A+
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto A Credit Score 700-739
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle
5.50%
84 months
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 12, 2026
Details
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
New Automobile Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 5.59% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
New Vehicles and Motorcycles Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.74% - 10.49%.
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 8 times
Powered by
MonitorBankRates
South Charleston Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
4.60%
38 Months
▼
APR4.60%
Interest Rate4.49%
Term38 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 4.60% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.08%
50 Months
▼
APR5.08%
Interest Rate4.99%
Term50 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.08% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.31%
62 Months
▼
APR5.31%
Interest Rate5.24%
Term62 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.31% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.56%
66 Months
▼
APR5.56%
Interest Rate5.49%
Term66 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.56% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
5.80%
75 Months
▼
APR5.80%
Interest Rate5.74%
Term75 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 5.80% APR · checked 2 times
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2020-2022
6.06%
Up to 60 Months
▼
APR6.06%
Interest Rate5.99%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details
Rate History
1 change since Sep 14, 2026 · 5.56% → 6.06% ▲ 0.50 pts · high 6.06% / low 5.56%
- Oct 5, 20266.06%▲ from 5.56%
- Sep 14, 20265.56%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2018-2019
6.08%
48 Months
▼
APR6.08%
Interest Rate5.99%
Term48 Months
Last UpdatedOct 9, 2026
Details
Term: 48 Months 2018 to 2019
Rate History
1 change since Sep 14, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58%
- Oct 5, 20266.08%▲ from 5.58%
- Sep 14, 20265.58%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
Used Auto & Harley Davidson 2018-2019
6.10%
36 Months
▼
APR6.10%
Interest Rate5.99%
Term36 Months
Last UpdatedOct 9, 2026
Details
Term: 36 Months- 2017 & Older
Rate History
1 change since Sep 14, 2026 · 5.61% → 6.10% ▲ 0.49 pts · high 6.10% / low 5.61%
- Oct 5, 20266.10%▲ from 5.61%
- Sep 14, 20265.61%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details
Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
505 D St, South Charleston, WV, 25303
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
318 5th Ave, South Charleston, WV, 25303 1240
New Used Auto & Harley Davidson
6.80%
84 Months
▼
APR6.80%
Interest Rate6.74%
Term84 Months
Last UpdatedOct 9, 2026
Details
Up to 100%
Rate History
No change since Oct 5, 2026 · 6.80% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Rates effective as of September 1, 2026
Rate History
No change since Oct 12, 2026 · 2.49% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
With qualifying credit and direct deposit with automatic payment.
Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2023
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
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%
Used Auto - 2024-2026
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
2.99%
0-48 Months
▼
APR2.99%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 2.99% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedOct 12, 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 · 3.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedOct 12, 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 · 3.49% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
3.74%
49-60 Months
▼
APR3.74%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 3.74% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
3.74%
0-48 Months
▼
APR3.74%
Term0-48 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Oct 12, 2026 · 3.74% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
3.74%
36 months
▼
APR3.74%
Interest Rate3.74%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 7 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedOct 12, 2026
Details
As Low As; Auto 0-48 months (up to 110%)
Rate History
No change since Oct 12, 2026 · 3.99% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.65%
Used Vehicle Loan
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 4.00% - 12.25%.
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; 49-60 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedOct 12, 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 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
4.24%
61-72 Months
▼
APR4.24%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.24%
49-60 Months
▼
APR4.24%
Term49-60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Rate History
No change since Oct 12, 2026 · 4.24% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.49%
61-72 Months
▼
APR4.49%
Term61-72 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Rate History
No change since Oct 12, 2026 · 4.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2025-2023
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.54%
4 years
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
- Sep 25, 20264.54%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.64%
3 years
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
- Sep 25, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 4.69% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.74%
5 years
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
- Sep 25, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan
4.74%
73-84 Months
▼
APR4.74%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.10%
2019-2020 Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 8 times
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 6 times
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Used Autos Loan
4.99%
72 Month Max
▼
APR4.99%
Term72 Month Max
Last UpdatedOct 9, 2026
Details
As low as; with approved credit; 9 years old max, must payoff by 13th year of life
Rate History
No change since Oct 9, 2026 · 4.99% APR
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; 61-72 months (up to 110%)
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; up to 110%
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedOct 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Rate History
No change since Oct 12, 2026 · 4.99% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedOct 12, 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%
Used Auto
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedOct 12, 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
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 730+; Grade of Paper: A+
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 8 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedOct 12, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.00%
0-39 months
▼
APR5.00%
Term0-39 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00%
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 5.19% APR
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
5.20%
6 years
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
- Sep 25, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedOct 12, 2026
Details
As Low As; 73-84 months (up to 110% $25K or more)
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Used Auto (20-23)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; up to 110%
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 4 times
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedOct 9, 2026
Details
Credit Score: 680 - 729; Grade of Paper: A
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedOct 12, 2026
Details
Age: 1-2 Model Years old
Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.25%
40-51 months
▼
APR5.25%
Term40-51 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 2 times
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2024-2022 Used Vehicles
5.49%
up to 60 months
▼
APR5.49%
Interest Rate5.49%
Termup to 60 months
Last UpdatedOct 9, 2026
Details
Term: Up to 60 payments Loans $19,999.99 and under - 95% of NADA Retail
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2023
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2024-2026
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+
Rate History
No change since Oct 12, 2026 · 5.49% APR
Romney Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.74%
Used Auto
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedOct 12, 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%
Used Auto
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedOct 12, 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
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Used autos 5yrs and more in age
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedOct 9, 2026
Details
Used autos 5yrs and more in age: are the same rate plus add 1.00% and terms as new autos
Rate History
No change since Oct 5, 2026 · 5.50% APR · checked 2 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2020-2017 Used Auto
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2025-2021 Used Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedOct 9, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.50%
0-36 Months
▼
APR5.50%
Term0-36 Months
Last UpdatedOct 9, 2026
Details
Credit Rating: A+
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 times
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
▼
APR5.50%
Termup to 84 months
Last UpdatedOct 9, 2026
Details
Fixed
Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 5 times
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details
Age: 3-5 Model Years old
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used
5.50%
52-63 months
▼
APR5.50%
Term52-63 months
Last UpdatedOct 12, 2026
Details
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicles ('23 - '25)
5.50%
72 months
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedOct 12, 2026
Details
Credit Score: (A+) 725 credit score rating
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 6 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
Used Automobile Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $5,000+
Rate History
No change since Oct 12, 2026 · 5.59% APR
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Used Vehicles and Motorcycles Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedOct 9, 2026
Details
Published APR range: 5.74% - 11.24%.
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 8 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2022
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 6 times
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
Used Auto - 2022
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedOct 9, 2026
Details
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 6 times
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South Charleston, WV Auto Loan Rate Trends
Compare local South Charleston, WV 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
5.007%
▲ 0.013 vs 7 days ago
West Virginia new auto rates rose 0.013 points over the past 7 days to 5.007% APR.
Used Auto Loan WV Avg
5.885%
▲ 0.081 vs 7 days ago
West Virginia used auto rates rose 0.081 points over the past 7 days to 5.885% APR.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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South Charleston, WV 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
5.01%
APR, as of Oct 13, 2026
6-Month Forecast
5.09%
Fed hold assumed
12-Month Forecast
5.16%
Range: 4.81% to 5.36%
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 @ 5.01% APR WV average | Used Auto @ 5.88% APR WV average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.12/mo | $289.19/mo | $6.07/mo |
| $25,000 | $471.86/mo | $481.98/mo | $10.12/mo |
| $35,000 | $660.61/mo | $674.78/mo | $14.17/mo |
| $45,000 | $849.35/mo | $867.57/mo | $18.22/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 South Charleston, West Virginia
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving South Charleston, 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 South Charleston, 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: South Charleston, West Virginia CD rates lock in a guaranteed return until you’re ready to buy
South Charleston, West Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$40,785
Median Individual Earnings
National avg: $47,340
6.9%
Unemployment Rate
National avg: 4.8%
16.9%
Poverty Rate
National avg: 11.1%
$566/mo
Payment on a $30K / 60-mo Loan
At WV new-auto avg 5.01% APR
A $566 monthly car payment works out to roughly 16.7% of the median individual income in South Charleston, 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 South Charleston, 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 South Charleston, 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.
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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 South Charleston, 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 South Charleston, 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 South Charleston, 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 South Charleston, 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: 5.97% APR Avg. used car loan we track: 6.70% 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 South Charleston, 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 South Charleston, 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 South Charleston, 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 South Charleston, West Virginia?
Yes. A preapproval from a bank or credit union serving South Charleston, 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 South Charleston, 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 South Charleston, 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 South Charleston, West Virginia?
Based on our current data, some of the lowest auto loan rates available in South Charleston, West Virginia include:
- West Virginia Federal Credit Union: 4.60% (New Used Auto & Harley Davidson)
- Chase Bank: 6.24% (New car purchase Loan)
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans - New Model 2026 and Newer)
- First Peoples Community Federal Credit Union: 2.99% (72-Month Auto Loan Promo)
- First Priority Federal Credit Union: 2.99% (New and Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Charleston, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026
South Charleston, West Virginia Rates & Resources
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West Virginia Auto Loan Calculator
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