Auto Loans · Newport News, Virginia
5 credit unions in Newport News report car loan rates to the NCUA. Rates range from 3.00% to 7.24%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.00%
Lowest New Car Rate
5.19%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NEWPORT NEWS MUN. EMP CREDIT UNION ★ 4.7 · 18 reviews | 3.00% | 7.99% |
| 2 | 1ST ADVANTAGE ★ 4.4 · 190 reviews | 4.75% | 4.75% |
| 3 | VIRGINIA EDUCATORS CREDIT UNION ★ 2.6 · 49 reviews | 5.30% | 5.30% |
| 4 | BAYPORT | 5.64% | 5.84% |
| 5 | LANGLEY ★ 3.9 · 128 reviews | 7.24% | 7.24% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | 1ST ADVANTAGE ★ 4.4 · 190 reviews | 4.75% | 4.75% |
| 2 | VIRGINIA EDUCATORS CREDIT UNION ★ 2.6 · 49 reviews | 5.30% | 5.30% |
| 3 | BAYPORT | 5.84% | 5.64% |
| 4 | LANGLEY ★ 3.9 · 128 reviews | 7.24% | 7.24% |
| 5 | NEWPORT NEWS MUN. EMP CREDIT UNION ★ 4.7 · 18 reviews | 7.99% | 3.00% |
A pre-approval from a Newport News 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 Newport News in the same window and take the best offer.
See member reviews, branch locations, and full rate details.