Auto Loans · Lynchburg, Virginia
4 credit unions in Lynchburg report car loan rates to the NCUA. Rates range from 1.99% to 15.50%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
1.99%
Lowest New Car Rate
7.17%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CENTRAL VIRGINIA ★ 3.2 · 34 reviews | 1.99% | 5.86% |
| 2 | LYNCHBURG MUNICIPAL EMPLOYEES ★ 3.9 · 31 reviews | 4.64% | 8.35% |
| 3 | BEACON CREDIT UNION, INCORPORATED ★ 4.6 · 267 reviews | 6.55% | 6.55% |
| 4 | GLAMORGAN EMPLOYEES ★ 3.9 · 31 reviews | 15.50% | 14.28% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CENTRAL VIRGINIA ★ 3.2 · 34 reviews | 5.86% | 1.99% |
| 2 | BEACON CREDIT UNION, INCORPORATED ★ 4.6 · 267 reviews | 6.55% | 6.55% |
| 3 | LYNCHBURG MUNICIPAL EMPLOYEES ★ 3.9 · 31 reviews | 8.35% | 4.64% |
| 4 | GLAMORGAN EMPLOYEES ★ 3.9 · 31 reviews | 14.28% | 15.50% |
A pre-approval from a Lynchburg 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 Lynchburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.