Credit union · NCUA insured
Ascend Federal Credit Union Auto Loan Rates
Top CarrotAscend Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.89% for a used one. Rates checked October 15, 2026.
How Ascend Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where Ascend Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ascend Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 17.64% APR
New Vehicle Auto Loan
Lowest rate
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
Ascend Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ascend 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.
New Vehicle Auto Loan
Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–17.64% | No Minimum loan value. Based on an APR of 5.49%, monthly payment on a $10,000 loan amount and a 60-month term would be $191.37. |
| 61–75 months | 5.99%–18.00% | Minimum loan value of $15,000. Based on an APR of 5.99%, monthly payment on a $15,000 loan amount and a 61-month term would be $286.50. |
| 76–84 months | 6.49%–9.34% | Minimum loan value of $25,000. Based on an APR of 6.49%, monthly payment on a $25,000 loan amount and a 76-month term would be $403.05. |
Used Vehicle Auto Loan
An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.89%–18.00% | No Minimum loan value. Based on an APR of 5.89%, monthly payment on a $10,000 loan amount and a 60-month term would be $193.25. |
| 61–75 months | 6.24%–18.00% | Minimum loan value of $15,000. Based on an APR of 6.24%, monthly payment on a $15,000 loan amount and a 61-month term would be $288.28. |
| 76–84 months | 7.04%–9.54% | Minimum loan value of $25,000. Based on an APR of 7.04%, monthly payment on a $25,000 loan amount and a 76-month term would be $409.76. |
Who can join Ascend Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in financially underserved areas, including all of Franklin County and parts of Davidson, Dickson, Marshall, Maury, Putnam, Rutherford, Van Buren, Warren, and White counties.
Employers and groups
- Eligibility is open to employees or members of one of Ascend's more than 1,200 local employer or organization partners.
Family and household
- Eligibility is open to immediate family members (spouse, parents, grandparents, children, siblings, grandchildren, including step and adoptive relationships) or household members demonstrating a degree of permanency with an existing Ascend member.
Other ways
- Eligibility is open to members of The Nature Conservancy (TNC) in Tennessee (membership can be obtained with a $25 contribution/donation).
Cost to join
- A $5 refundable savings account deposit representing one share is required to establish membership.
- A $25 one-time contribution/donation to The Nature Conservancy in Tennessee is required if qualifying via TNC.
Membership information collected October 5, 2026.