Auto Loans · Martinsburg, West Virginia
3 credit unions in Martinsburg report car loan rates to the NCUA. Rates range from 4.49% to 6.50%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.49%
Lowest New Car Rate
5.33%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EASTERN PANHANDLE ★ 3.9 · 21 reviews | 4.49% | 5.70% |
| 2 | BERKELEY COUNTY PUBLIC SCHOOLS ★ 5.0 · 3 reviews | 5.00% | 5.50% |
| 3 | 167TH TFR ★ 3.0 · 37 reviews | 6.50% | 7.50% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | BERKELEY COUNTY PUBLIC SCHOOLS ★ 5.0 · 3 reviews | 5.50% | 5.00% |
| 2 | EASTERN PANHANDLE ★ 3.9 · 21 reviews | 5.70% | 4.49% |
| 3 | 167TH TFR ★ 3.0 · 37 reviews | 7.50% | 6.50% |
A pre-approval from a Martinsburg 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 Martinsburg in the same window and take the best offer.
See member reviews, branch locations, and full rate details.