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Virginia Credit Union auto loan rates compared

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Virginia · Headquarters Virginia

Richmond, VA-based credit union; membership required

Rate page on vacu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 5 rates

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

4.49%NewUp to 48 months

VAChecked Nov 11, 2026

What the lender published

Car or light truck loan. Advertised as up to 48 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 4.49% from Virginia Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

4.69%NewUp to 66 months

VAChecked Nov 11, 2026

What the lender published

Car or light truck loan. Advertised as up to 66 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 4.69% from Virginia Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

5.09%NewUp to 72 months

VAChecked Nov 11, 2026

What the lender published

Car or light truck loan. Advertised as up to 72 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 5.09% from Virginia Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

5.34%NewUp to 78 months

VAChecked Nov 11, 2026

What the lender published

Car or light truck loan. Advertised as up to 78 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 5.34% from Virginia Credit UnionVisit lender ↗
As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Bundled discountsBundled discounts: The published rate includes bundled relationship discounts.Top credit tierTop credit tier: The published rate is for the lender’s top credit tier.Min. loan $35,000Min. loan $35,000: The lender publishes this rate with a $35,000 minimum loan amount.

6.09%NewUp to 84 months

VAChecked Nov 11, 2026

What the lender published

Car or light truck loan. Advertised as up to 84 months. APR as low as; assumes excellent credit, a 0.50% automatic payment discount, a 1.00% discount for loan-to-value of 115% or less, and a 1.50% discount for loans of $35,000 or more. Smaller loans or higher loan-to-value get a higher rate.

Checked Nov 11, 2026Source vacu.org

Calculate payment at 6.09% from Virginia Credit UnionVisit lender ↗