Credit union · NCUA insured
Alcoa Tenn Federal Credit Union Auto Loan Rates
Alcoa Tenn Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Alcoa Tenn Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where Alcoa Tenn Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alcoa Tenn Federal Credit Union
4.99%APR
- Terms
- up to 84 months
Auto Loans
Lowest rate
Knoxville Law Enforcement Federal Credit Union
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
KNOX CO. EMPLOYEES
4.49%APR
- Terms
- —
Alcoa Tenn Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Alcoa Tenn Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Available for new or used vehicles and refinancing. Rates are based on creditworthiness and age of collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.79% | Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $29.88 per $1,000. |
| up to 48 months | 4.99% | Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $23.02 per $1,000. |
| up to 60 months | 4.99% | Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $18.87 per $1,000. |
| up to 72 months | 4.99% | Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $16.10 per $1,000. |
| up to 84 months | 4.99% | Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $14.13 per $1,000. |
Fresh Start Auto Loan
Designed for first-time buyers or members with impaired credit to rebuild or establish credit.
| Terms | APR | Conditions |
|---|---|---|
| — | 16.24% | — |
Who can join Alcoa Tenn Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.