Auto Loans · Norfolk, Virginia
4 credit unions in Norfolk report car loan rates to the NCUA. Rates range from 2.99% to 5.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
2.99%
Lowest New Car Rate
3.87%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORFOLK FIRE DEPARTMENT ★ 5.0 · 10 reviews | 2.99% | 6.25% |
| 2 | SUMMIT HAMPTON ROADS ★ 3.3 · 3 reviews | 3.00% | 5.00% |
| 3 | PORT OF HAMPTON ROADS ILA | 4.50% | 9.25% |
| 4 | IBEW LOCAL UNION 80 ★ 5.0 · 5 reviews | 5.00% | 12.00% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SUMMIT HAMPTON ROADS ★ 3.3 · 3 reviews | 5.00% | 3.00% |
| 2 | NORFOLK FIRE DEPARTMENT ★ 5.0 · 10 reviews | 6.25% | 2.99% |
| 3 | PORT OF HAMPTON ROADS ILA | 9.25% | 4.50% |
| 4 | IBEW LOCAL UNION 80 ★ 5.0 · 5 reviews | 12.00% | 5.00% |
A pre-approval from a Norfolk 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 Norfolk in the same window and take the best offer.
See member reviews, branch locations, and full rate details.