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  9. Auto Loan Rate Trends

Winona, West Virginia Best Auto Loan Rates - September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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| i Editorial Disclosure
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 Winona, West Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: September 16, 2026

Current auto loan rates in Winona, West Virginia include WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.33% offering New or Used Vehicle Loans at 2.49%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 1.23% offering 72-Month Auto Loan Promo at 2.99%, First Priority Federal Credit UnionFirst Priority Federal Credit UnionA+5.0 ★Texas Ratio: 0.18% offering New and Used Auto Loans at 2.99%, Romney Federal Credit UnionRomney Federal Credit UnionA5.0 ★Texas Ratio: 11.24% offering New Auto - 36 months at 3.49%, Harrison County Federal Credit UnionHarrison County Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Auto at 3.50%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.

Winona borrowers have access to 31 lenders serving the West Virginia area, with auto loan rates as low as 2.49% APR from WEPCO Federal Credit Union. 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 Winona, West Virginia. Auto Loan Rates Last Updated and Verified: September 16, 2026

Compare Auto Loan Rates Today in Winona, West Virginia & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Winona Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
View
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
View
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
72-Month Auto Loan Promo
2.99%
72 months
View
▼
APR2.99%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer: 0-72 months with less than 45,000 miles and valued at $15,000 or more

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
View
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

As Low As; With qualifying credit and direct deposit with automatic payment.

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 36MO
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 48MO
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 36MO
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 48MO
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
View
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
3.25%
0-36 months
View
▼
APR3.25%
Term0-36 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
View
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 36 months
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 48 months
3.49%
48 months
View
▼
APR3.49%
Term48 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
3.49%
37-48 months
View
▼
APR3.49%
Term37-48 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
3.50%
1-36 Months
View
▼
APR3.50%
Term1-36 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
View
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
3.74%
36 months
View
▼
APR3.74%
Term36 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
3.74%
up to 84 months
View
▼
APR3.74%
Termup to 84 months
Last UpdatedSep 16, 2026
Details

Qualifications Required: Pioneer checking + direct deposit; Members with Pioneer checking + direct deposit may qualify. Loans are subject to credit approval

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
3.75%
36 months
View
▼
APR3.75%
Term36 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 36 months
3.75%
36 months
View
▼
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
View
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details

up to 110%

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 0-36 months
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedSep 14, 2026
Details

As Low As; 2018-2022

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 49-60 months
3.99%
49-60 months
View
▼
APR3.99%
Term49-60 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 36 months
4.00%
36 months
View
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
NEW Vehicle Loans
4.00%
24 or 36
View
▼
APR4.00%
Term24 or 36
Last UpdatedSep 14, 2026
Details

For amounts up to $23,000

Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Vehicle Loans
4.00%
24 or 36 months
View
▼
APR4.00%
Term24 or 36 months
Last UpdatedSep 14, 2026
Details

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 36-48 Months
4.00%
36-48 Months
View
▼
APR4.00%
Term36-48 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 48-60 Months
4.00%
48-60 Months
View
▼
APR4.00%
Term48-60 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 48 months
4.00%
48 months
View
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.00%
1-36 Months
View
▼
APR4.00%
Term1-36 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
View
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan
4.23%
72 months
View
▼
APR4.23%
Interest Rate4.00%
Term72 months
Last UpdatedSep 16, 2026
Details

Rates as low as; Model Year: 2026-2024

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
View
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
View
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details

up to 110%

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 14, 2026
Details

Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
NEW AUTO
4.24%
60 mth
View
▼
APR4.24%
Term60 mth
Last UpdatedSep 14, 2026
Details

As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.

Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
4.24%
up to 84 months
View
▼
APR4.24%
Termup to 84 months
Last UpdatedSep 16, 2026
Details

Loans are subject to credit approval

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedSep 14, 2026
Details

As Low As; 2018-2022

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.25%
60-72 Months
View
▼
APR4.25%
Term60-72 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.25%
37-48 Months
View
▼
APR4.25%
Term37-48 Months
Last UpdatedSep 16, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details

As low as

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
4.49%
61-72 months
View
▼
APR4.49%
Term61-72 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details

As low as

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 48 months
4.50%
48 months
View
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.50%
72-84 Months
View
▼
APR4.50%
Term72-84 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Car Loans
4.50%
84 months
View
▼
APR4.50%
Interest Rate4.50%
Term84 months
Last UpdatedSep 14, 2026
Details

2023 - current

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 60 months
4.50%
60 months
View
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.50%
49-60 Months
View
▼
APR4.50%
Term49-60 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
View
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $2,500+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan
4.69%
84 months
View
▼
APR4.69%
Interest Rate4.50%
Term84 months
Last UpdatedSep 16, 2026
Details

Rates as low as; Model Year: 2026-2024

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
View
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedSep 14, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Vehicle Loans
4.74%
6-year
View
▼
APR4.74%
Term6-year
Last UpdatedSep 14, 2026
Details

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.

Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
USED AUTO
4.74%
60 mth
View
▼
APR4.74%
Term60 mth
Last UpdatedSep 14, 2026
Details

As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 60 months
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 48 months
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details

As Low As

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2019-2020 Used Auto Loan
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2026 New Auto Loan
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.75%
66 months
View
▼
APR4.75%
Term66 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 66 months
4.75%
66 months
View
▼
APR4.75%
Interest Rate4.75%
Term66 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.75%
61-72 Months
View
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
View
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $2,500+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details

As low as

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details

up to 110%

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 14, 2026
Details

up to 110%

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 60 months
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Autos
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedSep 14, 2026
Details

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 49-60 months
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedSep 14, 2026
Details

As Low As; 2018-2022

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 73-84 months
4.99%
73-84 months
View
▼
APR4.99%
Term73-84 months
Last UpdatedSep 14, 2026
Details

As Low As; 2023 & newer

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
Up to 60 payments
View
▼
APR4.99%
TermUp to 60 payments
Last UpdatedSep 14, 2026
Details

Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 24
4.99%
24 Months
View
▼
APR4.99%
Interest Rate4.99%
Term24 Months
Last UpdatedSep 14, 2026
Details

Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 36
4.99%
36 Months
View
▼
APR4.99%
Interest Rate4.99%
Term36 Months
Last UpdatedSep 14, 2026
Details

Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 48
4.99%
48 Months
View
▼
APR4.99%
Interest Rate4.99%
Term48 Months
Last UpdatedSep 14, 2026
Details

($3000+)

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details

As low as 2.99%

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details

As Low As

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
View
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedSep 16, 2026
Details

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
View
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 72 months
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 60 months
5.00%
60 months
View
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 36 Months
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details

As Low As

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A+ Credit Score above 740; APR Type: Fixed

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 72 months
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
5.00%
73-84 Months
View
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 16, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 16, 2026
Details

Age: 1-2 Model Years old

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
View
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.19%
36 months
View
▼
APR5.19%
Term36 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $2,500+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $2,500+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedSep 16, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER)
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedSep 14, 2026
Details

up to 110% $25K or more

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 14, 2026
Details

up to 110%

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 14, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 14, 2026
Details

Model 2024 - 2025; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 14, 2026
Details

Model 2022; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 14, 2026
Details

Model 2021; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 14, 2026
Details

Model 2019 - 2020; As Low As; APR*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
NEW AUTO
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedSep 14, 2026
Details

1% discount for auto pay loans*

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
First Time Car Buyer Auto Loan - 2021 & Newer: 0-60 months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedSep 14, 2026
Details

As low as; with less than 45,000 miles

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: B

Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan
5.25%
60 Months
View
▼
APR5.25%
Interest Rate5.25%
Term60 Months
Last UpdatedSep 14, 2026
Details

($8000+)

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedSep 16, 2026
Details

Age: 1-2 Model Years old

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedSep 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $5,000+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
36 Months
View
▼
APR5.39%
Term36 Months
Last UpdatedSep 16, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Auto Loan - 36 months
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 12, 2026
Details

Model Year: 2026 Model Year

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Auto Loan - 48 months
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 12, 2026
Details

Model Year: 2026 Model Year

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2022-2018

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 84 months
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - Model Years 2025-2026
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedSep 14, 2026
Details

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
5.49%
0-36 months
View
▼
APR5.49%
Term0-36 months
Last UpdatedSep 14, 2026
Details

As Low As; 2014-2017

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2024-2022 Used Vehicles Loan
5.49%
Up to 60
View
▼
APR5.49%
TermUp to 60
Last UpdatedSep 14, 2026
Details

Term: Up to 60 payments Loans $19,999.99 and under - 95% of NADA Retail

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
5.49%
Up to 72
View
▼
APR5.49%
TermUp to 72
Last UpdatedSep 14, 2026
Details

Term: Up to 72 payments, Car loans over $20,000.00

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedSep 14, 2026
Details

As low as 2.99%

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
5.49%
60MO
View
▼
APR5.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedSep 14, 2026
Details

As Low As

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
View
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedSep 16, 2026
Details

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
View
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedSep 16, 2026
Details

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
View
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedSep 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $2,500+

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 84 months
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 72 months
5.50%
72 months
View
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
5.50%
37-60 Months
View
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 14, 2026
Details

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used Auto
5.50%
37-60 Months
View
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 14, 2026
Details

Used autos 5yrs or less in age: are the same rates plus add .50% and terms as new autos

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.50%
75 Months
View
▼
APR5.50%
Interest Rate5.49%
Term75 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details

As Low As

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: B

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 72 Months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedSep 14, 2026
Details

Over $20000; Credit Rating: A+; Minimum Balance: $20000

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Autos: 2016 And Newer - 0-36 Months Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A Credit Score 700-739; APR Type: Fixed

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Auto
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A+ Credit Score above 740; APR Type: Fixed

Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan
5.50%
72 Months
View
▼
APR5.50%
Interest Rate5.50%
Term72 Months
Last UpdatedSep 14, 2026
Details

($12,000 +)

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedSep 16, 2026
Details

Age: 3-5 Model Years old

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2020-2022
5.56%
Up to 60 Months
View
▼
APR5.56%
Interest Rate5.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2018-2019
5.58%
48 Months
View
▼
APR5.58%
Interest Rate5.49%
Term48 Months
Last UpdatedSep 14, 2026
Details

Term: 48 Months 2018 to 2019; As Low As

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $5,000+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details

Loan Amount: $15,000+

Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedSep 16, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.04%
Auto Loan
5.60%
60 months
View
▼
APR5.60%
Term60 months
Last UpdatedSep 12, 2026
Details

Model Year: 2026 Model Year

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
5.60%
84 months
View
▼
APR5.60%
Term84 months
Last UpdatedSep 14, 2026
Details

West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 84 months
5.60%
84 months
View
▼
APR5.60%
Interest Rate5.60%
Term84 months
Last UpdatedSep 14, 2026
Details

Annual percentage rates may be as low as*

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2018-2019
5.61%
36 Months
View
▼
APR5.61%
Interest Rate5.49%
Term36 Months
Last UpdatedSep 14, 2026
Details

Term: 36 Months- 2017 & Older; As Low As

Winona New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
View
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
View
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
View
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

As Low As; With qualifying credit and direct deposit with automatic payment.

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 36MO
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 48MO
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
View
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
View
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 36 months
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 48 months
3.49%
48 months
View
▼
APR3.49%
Term48 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
3.50%
1-36 Months
View
▼
APR3.50%
Term1-36 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
View
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
View
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details

up to 110%

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 36 months
4.00%
36 months
View
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
NEW Vehicle Loans
4.00%
24 or 36
View
▼
APR4.00%
Term24 or 36
Last UpdatedSep 14, 2026
Details

For amounts up to $23,000

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 36-48 Months
4.00%
36-48 Months
View
▼
APR4.00%
Term36-48 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 48-60 Months
4.00%
48-60 Months
View
▼
APR4.00%
Term48-60 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.00%
1-36 Months
View
▼
APR4.00%
Term1-36 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
View
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
View
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
View
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details

up to 110%

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Autos
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 14, 2026
Details

Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
NEW AUTO
4.24%
60 mth
View
▼
APR4.24%
Term60 mth
Last UpdatedSep 14, 2026
Details

As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.25%
60-72 Months
View
▼
APR4.25%
Term60-72 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.25%
37-48 Months
View
▼
APR4.25%
Term37-48 Months
Last UpdatedSep 16, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details

As low as

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details

As low as

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 48 months
4.50%
48 months
View
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.50%
72-84 Months
View
▼
APR4.50%
Term72-84 Months
Last UpdatedSep 14, 2026
Details

rates as low as; Model Year: 2025 - 2024

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Car Loans
4.50%
84 months
View
▼
APR4.50%
Interest Rate4.50%
Term84 months
Last UpdatedSep 14, 2026
Details

2023 - current

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.50%
49-60 Months
View
▼
APR4.50%
Term49-60 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
View
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
View
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedSep 14, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 60 months
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2026 New Auto Loan
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.75%
61-72 Months
View
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
View
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details

As low as

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details

up to 110%

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Autos
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedSep 14, 2026
Details

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
Up to 60 payments
View
▼
APR4.99%
TermUp to 60 payments
Last UpdatedSep 14, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details

As low as 2.99%

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
View
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 72 months
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A+ Credit Score above 740; APR Type: Fixed

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
5.00%
73-84 Months
View
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
View
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER)
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedSep 14, 2026
Details

up to 110% $25K or more

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2026-2025

Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedSep 14, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 14, 2026
Details

Model 2024 - 2025; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 14, 2026
Details

Model 2022; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 14, 2026
Details

Model 2021; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 14, 2026
Details

Model 2019 - 2020; As Low As; APR*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
NEW AUTO
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedSep 14, 2026
Details

1% discount for auto pay loans*

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
First Time Car Buyer Auto Loan - 2021 & Newer: 0-60 months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedSep 14, 2026
Details

As low as; with less than 45,000 miles

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: B

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedSep 16, 2026
Details

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
5.49%
Up to 72
View
▼
APR5.49%
TermUp to 72
Last UpdatedSep 14, 2026
Details

Term: Up to 72 payments, Car loans over $20,000.00

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedSep 14, 2026
Details

As low as 2.99%

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Over 6 Years) 84 months Loan
5.49%
84 months
View
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedSep 16, 2026
Details

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) over 95% LTV Loan
5.49%
72 months
View
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 84 months
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
5.50%
37-60 Months
View
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 14, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.50%
75 Months
View
▼
APR5.50%
Interest Rate5.49%
Term75 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: B

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 72 Months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedSep 14, 2026
Details

Over $20000; Credit Rating: A+; Minimum Balance: $20000

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Autos: 2016 And Newer - 0-36 Months Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A Credit Score 700-739; APR Type: Fixed

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedSep 16, 2026
Details

Winona Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
View
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
View
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
View
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

As Low As; With qualifying credit and direct deposit with automatic payment.

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 36MO
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 48MO
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details

As Low As

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
View
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
View
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
View
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $10,000 for 60 Months

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
3.74%
36 months
View
▼
APR3.74%
Term36 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
View
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details

up to 110%

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Vehicle Loans
4.00%
24 or 36 months
View
▼
APR4.00%
Term24 or 36 months
Last UpdatedSep 14, 2026
Details

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

As Low As

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
View
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
View
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $15,000 for 72 Months

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
View
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
View
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details

up to 110%

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details

As low as

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details

As low as

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
View
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
View
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details

As Low As; Minimum Financing of $25,000 for 84 Months

Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
USED AUTO
4.74%
60 mth
View
▼
APR4.74%
Term60 mth
Last UpdatedSep 14, 2026
Details

As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 48 months
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details

As Low As

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2019-2020 Used Auto Loan
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
View
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details

As low as

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details

up to 110%

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 14, 2026
Details

up to 110%

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 60 months
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
4.99%
72 months
View
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details

As Low As

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
View
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 60 months
5.00%
60 months
View
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 36 Months
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedSep 16, 2026
Details

Age: 1-2 Model Years old

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
View
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedSep 16, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER)
5.24%
84 months
View
▼
APR5.24%
Term84 months
Last UpdatedSep 14, 2026
Details

up to 110% $25K or more

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedSep 14, 2026
Details

up to 110%

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
0-39 months
View
▼
APR5.25%
Term0-39 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
40-51 months
View
▼
APR5.25%
Term40-51 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
52-63 months
View
▼
APR5.25%
Term52-63 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
64-75 months
View
▼
APR5.25%
Term64-75 months
Last UpdatedSep 14, 2026
Details

Models 2026 New or Used; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
75 months
View
▼
APR5.25%
Term75 months
Last UpdatedSep 14, 2026
Details

Model 2024 - 2025; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
54 months
View
▼
APR5.25%
Term54 months
Last UpdatedSep 14, 2026
Details

Model 2022; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
51 months
View
▼
APR5.25%
Term51 months
Last UpdatedSep 14, 2026
Details

Model 2021; As Low As; APR*

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New or Used Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedSep 14, 2026
Details

Model 2019 - 2020; As Low As; APR*

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 680 - 729; Credit Grade: A

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedSep 16, 2026
Details

Age: 1-2 Model Years old

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.39%
36 Months
View
▼
APR5.39%
Term36 Months
Last UpdatedSep 16, 2026
Details

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2022-2018

Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 84 months
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedSep 14, 2026
Details

As Low As; Model Year: 2025-2023

Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - Model Years 2025-2026
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedSep 14, 2026
Details

Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2024-2022 Used Vehicles Loan
5.49%
Up to 60
View
▼
APR5.49%
TermUp to 60
Last UpdatedSep 14, 2026
Details

Term: Up to 60 payments Loans $19,999.99 and under - 95% of NADA Retail

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
5.49%
60MO
View
▼
APR5.49%
Term60MO
Last UpdatedSep 14, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedSep 14, 2026
Details

As Low As

Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) over 95% LTV Loan
5.49%
60 months
View
▼
APR5.49%
Interest Rate5.49%
Term60 months
Last UpdatedSep 16, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedSep 16, 2026
Details

Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 72 months
5.50%
72 months
View
▼
APR5.50%
Interest Rate5.50%
Term72 months
Last UpdatedSep 12, 2026
Details

Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.

Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details

Credit Score: 730+; Credit Grade: A+

167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used Auto
5.50%
37-60 Months
View
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 14, 2026
Details

Used autos 5yrs or less in age: are the same rates plus add .50% and terms as new autos

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.50%
75 Months
View
▼
APR5.50%
Interest Rate5.49%
Term75 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedSep 14, 2026
Details

As Low As

Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details

As Low As

Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Autos: 2016 And Newer - 0-36 Months Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedSep 14, 2026
Details

Credit Rating: A+

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
Used Auto
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedSep 14, 2026
Details

Credit Score: A+ Credit Score above 740; APR Type: Fixed

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedSep 16, 2026
Details

Age: 3-5 Model Years old

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2020-2022
5.56%
Up to 60 Months
View
▼
APR5.56%
Interest Rate5.49%
TermUp to 60 Months
Last UpdatedSep 14, 2026
Details

As Low As; % Financed: Up to 100%

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2018-2019
5.58%
48 Months
View
▼
APR5.58%
Interest Rate5.49%
Term48 Months
Last UpdatedSep 14, 2026
Details

Term: 48 Months 2018 to 2019; As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedSep 16, 2026
Details

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Used Auto & Harley Davidson 2018-2019
5.61%
36 Months
View
▼
APR5.61%
Interest Rate5.49%
Term36 Months
Last UpdatedSep 14, 2026
Details

Term: 36 Months- 2017 & Older; As Low As

Winona, WV Auto Loan Rate Trends

Compare local Winona, 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.

View Full West Virginia Auto Trends
New Auto Loan WV Avg
5.540%
▲ 0.113 vs 7 days ago

West Virginia new auto rates rose 0.113 points over the past 7 days to 5.540% APR.

Used Auto Loan WV Avg
7.901%
▼ 0.021 vs 7 days ago

West Virginia used auto rates fell 0.021 points over the past 7 days to 7.901% APR.

As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Winona, 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
5.54%
APR, as of Sep 16, 2026
6-Month Forecast
5.62%
Fed hold assumed
12-Month Forecast
5.69%
Range: 5.34% to 5.89%
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.

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 @ 5.54% APR
WV average		 Used Auto @ 7.90% APR
WV average		 Monthly Difference
$15,000 $286.79/mo $303.43/mo $16.64/mo
$25,000 $477.99/mo $505.72/mo $27.74/mo
$35,000 $669.18/mo $708.01/mo $38.83/mo
$45,000 $860.38/mo $910.30/mo $49.93/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.

How to Get the Best Auto Loan Rate in Winona, West Virginia

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Winona, 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?

West Virginia Financial Snapshot

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

$40,236
Median Individual Earnings
National avg: $47,340
5.4%
Unemployment Rate
National avg: 4.8%
16.7%
Poverty Rate
National avg: 11.1%
$574/mo
Payment on a $30K / 60-mo Loan
At WV new-auto avg 5.54% APR

A $574 monthly car payment works out to roughly 17.1% of the median individual income in West Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Winona, 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 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

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

Auto Loan Payment Calculator

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

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

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

Methodology & Data Sources

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

Frequently Asked Questions about Auto Loans in Winona, 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 Winona, 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 Winona, 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 Winona, West Virginia?

Yes. A preapproval from a bank or credit union serving Winona, 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 Winona, 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.

What are the best Auto Loan rates in Winona, West Virginia?

Based on our current data, some of the lowest auto loan rates available in Winona, West Virginia include:
  • WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans)
  • 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)
  • Romney Federal Credit Union: 3.49% (New Auto - 36 months)
  • Harrison County Federal Credit Union: 3.50% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Winona, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 16, 2026

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