Auto Loans · Virginia, Minnesota
2 credit unions in Virginia report car loan rates to the NCUA. Rates range from 3.50% to 5.49%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.50%
Lowest New Car Rate
4.50%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHRIDGE COMMUNITY ★ 4.3 · 12 reviews | 3.50% | 6.75% |
| 2 | VIRGINIA COOP ★ 4.6 · 19 reviews | 5.49% | 5.49% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | VIRGINIA COOP ★ 4.6 · 19 reviews | 5.49% | 5.49% |
| 2 | NORTHRIDGE COMMUNITY ★ 4.3 · 12 reviews | 6.75% | 3.50% |
A pre-approval from a Virginia credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Virginia in the same window and take the best offer.
See member reviews, branch locations, and full rate details.