Auto Loans · Virginia Beach, Virginia
3 credit unions in Virginia Beach report car loan rates to the NCUA. Rates range from 4.74% to 5.50%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.21%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BEACH MUNICIPAL ★ 3.4 · 35 reviews | 4.74% | 4.74% |
| 2 | VA BEACH POSTAL ★ 4.6 · 7 reviews | 5.40% | 8.28% |
| 3 | CHARTWAY ★ 4.1 · 31 reviews | 5.50% | 5.79% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BEACH MUNICIPAL ★ 3.4 · 35 reviews | 4.74% | 4.74% |
| 2 | CHARTWAY ★ 4.1 · 31 reviews | 5.79% | 5.50% |
| 3 | VA BEACH POSTAL ★ 4.6 · 7 reviews | 8.28% | 5.40% |
A pre-approval from a Virginia Beach 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 Beach in the same window and take the best offer.
See member reviews, branch locations, and full rate details.