Rates

*APR = Annual Percentage Rate

*1.99% APR is applicable on New or Used Autos 2017 and newer with a 20% down payment and, terms up to 42 months. Rates are subject to change and are based on creditworthiness, age of vehicle, and terms of the loan. Therefore, your actual rate may differ. Collateral is subject to approval. Minimum loan amount is $25,000 for terms of 84 months. A loan payment example: $20,000 financed for 42 months would make the monthly payment $494.

Credit Union of Richmond offers:

• Financing up to 125% for vehicles.
• GAP and warranties available

Please contact one of our loan officers for complete information on current rates and details.

Bring in your current auto loan from another financial institution to Credit Union of Richmond and we will add 100 dollars to your share account. For more information, apply online or call 1-804-355-9684.

**Restrictions apply, all offers and rates are subject to change. ** Credit Union of Richmond loans are not included with this offer. Rates are subject to change at any time and should only be used as a guide. 

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Your rate can be higher or lower depending on credit performance. Financing up to the retail value of the auto may be available. The rate on a new/used vehicle could be as low as 1.99%. Rate is subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer. 

Bring in your current personal loan from another financial institution to Credit Union of Richmond and you may receive up to 1% less than your existing rate with financial institution and we will add $25 to your share account

*Rates and loan approval are based on creditworthiness and our internal credit criteria. Not all borrowers will qualify.  Minimum or maximum loan amounts and credit limits apply.  Restrictions apply, all offers, and rates are subject to change without further notice. Credit cards, automobile, RV, and mortgage loans are excluded from this offering. Recaptured personal loan rates (refinanced from another lender) will range from 5.99%-18% APR. To qualify for up to 1% less than your current rate you must provide supporting documentation. We will match the remaining term of your loan not to exceed 84 months.  Regardless of discounts or promotions, 5.99% APR is our minimum rate offered for personal loans. If the loan is not considered a recapture, then our standard rates apply which range from 7.74% to 18%. Payment example: A loan of $5,000 for 36 months has a payment of $153 at 5.99% APR. Another payment example: A loan of $5,000 for 36 months has a payment of $183 at 18% APR.

Account transfer and withdrawal limitations apply.

**A penalty may be imposed for early withdrawals**
For more information contact us.

Account transfer and withdrawl limitations apply.