Credit union · NCUA insured
Appalachian Community Federal Credit Union Auto Loan Rates
Top CarrotAppalachian Community Federal Credit Union auto loans start at 5.55% APR for a new vehicle and 6.25% for a used one. Rates checked October 15, 2026.
How Appalachian Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Appalachian Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Appalachian Community Federal Credit Union
5.55%APR
- Terms
- 6–84 months
- Up to
- —
Auto Loans
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
Eastman Credit Union
4.74%APR
- Terms
- 36–120 months
- Up to
- 12.24% APR
Appalachian Community Federal Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.55%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Appalachian Community 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
Offers loans on new vehicles, used vehicles up to 15 years old, and classic cars 25+ years old. Refinance offers up to 2% APR off current rate with floor rate 5.55% (new) / 6.25% (used) and maximum rate 18%, minimum loan amount $5,000. Rates 'as low as' dependent on creditworthiness, Auto Pay, and/or special discounts.
| Terms | APR | Conditions |
|---|---|---|
| 6–84 months | 5.55% | New Autos (upcoming, current & previous vehicle model years - under 10,000 miles). As low as rate. |
| 6–84 months | 6.25% | Used Autos (7 years old or newer). As low as rate. |
| 6–72 months | 6.75% | Used Autos (8-15 years old). As low as rate. |
| 6–84 months | 7.75% | Classic Autos (25 years and older). Minimum credit score required. As low as rate. |
| up to 84 months | 6.80% | Payment example for a $20,000 new Auto Loan with payments as low as $300 per month for 84 months. |
Sources (3)
All captured Oct 5, 2026
Motorcycle Loans
Motorcycles must be over 800cc. Minimum credit score required. Rates 'as low as' dependent on creditworthiness, Auto Pay, and/or special discounts.
| Terms | APR | Conditions |
|---|---|---|
| 6–84 months | 7.00% | New Motorcycles (2027, 2026 & 2025). Motorcycles must be over 800cc. Minimum credit score required. As low as rate. |
| 6–84 months | 7.25% | Used Motorcycles (7 years old or newer). Motorcycles must be over 800cc. Minimum credit score required. As low as rate. |
| 6–72 months | 7.75% | Used Motorcycles (8-15 years old). Motorcycles must be over 800cc. Minimum credit score required. As low as rate. |
Sources (3)
All captured Oct 5, 2026
Who can join Appalachian Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.