Credit union · NCUA insured
Appliance Credit Union Auto Loan Rates
Appliance Credit Union auto loans start at 3.90% APR for a new vehicle and 4.90% for a used one. Rates checked October 15, 2026.
How Appliance Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cleveland, TN, where Appliance Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Appliance Credit Union
3.90%APR
- Terms
- up to 60 months
- Up to
- 9.90% APR
New Vehicle
2nd-lowest rate
Bowater Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Tennessee Valley Federal Credit Union
4.39%APR
- Terms
- up to 63 months
- Up to
- 15.99% APR
Appliance Credit Union auto loan score
92
Auto loan score
Higher than 93% of U.S. banks and credit unions
- New vehicleNew3.90%
- Used vehicleUsed4.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Appliance 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.
New Motorcycles
Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25%–13.25% | — |
| up to 60 months | 7.50%–13.50% | — |
| up to 72 months | 8.15%–14.15% | 72 months financing on $15k+ |
| up to 84 months | 9.75%–15.75% | 84 months financing on $30k+ |
Sources (2)
All captured Oct 15, 2026
New Vehicle
To be considered a NEW vehicle: 25k miles or less, 3 model years or less. All new vehicle loans are 100% of retail value. Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.15%–9.15% | — |
| up to 60 months | 3.90%–9.90% | — |
| up to 72 months | 3.90%–9.90% | 72 months on $20k+ |
| up to 84 months | 4.90%–10.90% | 84 months on $30k+ |
Sources (2)
All captured Oct 15, 2026
Used Motorcycles
Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.50%–13.50% | — |
| up to 60 months | 9.00%–15.00% | — |
| up to 72 months | 9.25%–15.25% | 72 months on $20k+ |
| up to 84 months | 10.75%–16.75% | 84 months financing on $30k+ |
Sources (2)
All captured Oct 15, 2026
Used Vehicles 2020 and older less than 100k
Used vehicle loans are based on NADA retail value. Applicable to model years 2020 and older with less than 100k miles. Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.15%–10.15% | — |
| up to 60 months | 5.25%–11.25% | — |
| up to 72 months | 5.75%–11.75% | 72 months financing on $20k+ |
| up to 84 months | 5.90%–11.90% | 84 months financing on $30k+ |
Used Vehicles 2026 - 2021 up to 100k miles
Used vehicle loans are based on NADA retail value. Applicable to model years 2021-2026 with up to 100k miles. Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.50%–9.50% | — |
| up to 60 months | 4.90%–10.90% | — |
| up to 72 months | 5.75%–11.75% | 72 months financing on $20k+ |
| up to 84 months | 5.90%–11.90% | 84 months financing on $30k+ |
Used Vehicles over 100k miles but less than 150k miles
Used vehicle loans are based on NADA retail value. Applicable to vehicles over 100k miles but less than 150k miles. Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–11.25% | — |
| up to 60 months | 5.90%–11.90% | — |
| up to 72 months | 6.15%–12.15% | 72 months financing on $20k+ Depending on mileage |
Sources (2)
All captured Oct 15, 2026
Used Vehicles over 150k miles
Used vehicle loans are based on NADA retail value. Applicable to vehicles over 150k miles. Borrowers must meet membership eligibility requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00%–13.00% | — |
| up to 60 months | 7.75%–13.75% | — |
| up to 72 months | 8.25%–14.25% | 72 months financing on $20k+ Depending on mileage |
Sources (2)
All captured Oct 15, 2026
Who can join Appliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bradley County are eligible for membership.
Family and household
- Family members of any current member (including parent, spouse, spouse’s parent, child, step-child, grandparent, spouse’s grandparent, grandchild, brother, sister, brother- or sister-in-law, step-brother or step-sister, aunt or uncle, niece or nephew) are eligible for membership.
Cost to join
- An initial deposit of $5.00 (one share) in a share/savings account establishes partial ownership.
- A one-time membership fee of $0.25 is required to access credit union services.
Membership information collected October 5, 2026.