Top credit unions in Virginia ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Virginia car payment calculator.
Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Virginia for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Apple Federal Credit Union
Apple FCU was established in 1956 and has over 230,000 members at 20 credit unions in Virginia. It began with a group of educators appreciating students offering apples to their teachers.
The ways to join include residents of Fairfax, Prince William, or Frederick Counties. Membership is also open to anyone who joins the Friends of the W&OD Trail.
Apple FCU ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 4097 Monument Corner Dr, Fairfax, VA 22030
Virginia Credit Union
VACU was established in 1928 and serves over 320,000 members at 23 locations in Virginia.
The field of membership includes the counties Buckingham, Cumberland, Nottoway, Prince Edward; and the cities Richmond, Petersburg, Hopewell, Fredericksburg, and Farmville.
Employees of Virginia state departments and members of affiliated groups are also eligible to sign up as listed in the ways to join VACU.
Headquarters: 7500 Boulder View Dr, Richmond, VA 23225
DuPont Community Credit Union
DCCU was founded in 1959 and has 115,000 members from 14 credit unions in Virginia.
The ways to join include residents of Augusta, Bath, Buena Vista, Clarke, Frederick, Harrisonburg, Highland, Lexington, Page, Rockbridge, Rockingham, Shenandoah, Staunton, Warren, Waynesboro, and Winchester County.
Headquarters: 140 Lucy Ln, Waynesboro, VA 22980
NextMark Credit Union
NextMark was established in 1958. It has 20,000 members at 5 branches.
The ways to join include the counties Culpeper, Fairfax, Fauquier, Loudoun, Prince William, Spotsylvania, Stafford; and the cities Fairfax, Falls Church, Fredericksburg, and Manassas.
Headquarters: 4201 Members Way, Fairfax, VA 22030
Chartway Credit Union
Chartway was founded in 1959 and has 200,000 members from 32 locations in VA.
Anyone can join by making a $10 donation to the Chartway Promise Foundation.
Headquarters: 5700 Cleveland St, Virginia Beach, VA, 23462
Langley Federal Credit Union
Established in 1936 by the National Advisory Committee for Aeronautics, Langley FCU serves over 360,000 members at 21 unions in VA.
The field of membership is available to anyone who opens a savings account.
Headquarters: 721 Lakefront Commons, Newport News, VA 23606
1st Advantage Federal Credit Union
1st Advantage was established in 1951. It has over 70,000 members at 14 locations. The first accounting method was a cigar box filled with $500 along with the account register listing the original charter members.
The ways to join include the cities Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, Williamsburg; and the counties Gloucester, Isle of Wight, James City, Mathews, and York.
Headquarters: 110 Cybernetics Way, Yorktown, VA 23693
ABNB Federal Credit Union
Founded in 1960, ABNB FCU serves 80,000 members at 16 unions.
The field of membership includes the cities Virginia Beach, Norfolk, ChesaPeake, Portsmouth, Suffolk, Hampton, Newport News, Franklin, Poquoson, Williamsburg; and the counties York, Isle of Wright, Gloucester, Mathews, James City, Southampton, and Surry.
Headquarters: 830 Greenbrier Circle, Chesapeake, VA 23320
Northwest Federal Credit Union
Established in 1947, NWFCU serves 280,000 clients at 11 branches in VA. Members have access to 5,900 shared branches and 35,000 ATMs nationwide through a CO-OP Network.
Employees of affiliated businesses or members of affiliated organizations can sign up as listed in the ways to join.
Headquarters: 200 Spring St, Herndon, VA 20170
Bayport Credit Union
Bayport was established in 1928 and has over 150,000 members at 27 branches in Virginia. It began with 12 shipyard workers joining together to build oil tankers and ocean liners at the Newport News Shipbuilding company.
Membership is open to the counties Gloucester, Isle of Wight, James City, Mathews, Southampton, Surry, York; and the cities Chesapeake, Franklin Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach, and Williamsburg.
Headquarters: One Bayport Way, Newport News, VA 23606