Credit union · NCUA insured
BCBST Employee CU Auto Loan Rates
BCBST Employee CU auto loans start at 4.75% APR for a new vehicle and 6.25% for a used one. Rates checked September 24, 2026.
How BCBST Employee CU’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where BCBST Employee CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BCBST Employee CU
4.75%APR
- Terms
- up to 60 months
- Up to
- 14.75% APR
New Vehicle Auto Loan
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
- Up to
- —
BCBST Employee CU auto loan score
81
Auto loan score
Higher than 56% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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 BCBST Employee CU 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
Current and previous year models never titled are considered new vehicles. Rates based on credit risk. For qualified borrowers, the CU can finance up to 100% of M.S.R.P. or purchase price, whichever is less including taxes, tag, and title fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.75%–14.75% | — |
| up to 48 months | 4.75%–14.75% | — |
| up to 60 months | 4.75%–14.75% | — |
| up to 72 months | 5.25%–15.25% | Financing is available on new vehicles up to 72 months on auto loans of $30,000 or more. |
Sources (1)
- bcbstecu.com/rates · captured Sep 18, 2026
Used Vehicle
Finance up to 100% of NADA value of vehicles 5 years or newer with less than 100,000 miles. Finance up to 100% of NADA value of vehicles 6 - 10 years old. Finance up to 90% of NADA value of vehicles 11 years or older. Vehicles with mileage over 100,000 miles will have an additional 1.5% added to the interest rate. Rates determined by credit rating.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.75%–13.75% | Model 0 - 5 Years Old. Finance up to 100% of NADA value for vehicles 5 years or newer with less than 100,000 miles. Vehicles with mileage over 100,000 miles add 1.5% to interest rate. |
| up to 48 months | 5.75%–13.75% | Model 0 - 5 Years Old. Finance up to 100% of NADA value for vehicles 5 years or newer with less than 100,000 miles. Vehicles with mileage over 100,000 miles add 1.5% to interest rate. |
| up to 60 months | 6.25%–14.25% | Model 0 - 5 Years Old. Finance up to 100% of NADA value for vehicles 5 years or newer with less than 100,000 miles. Vehicles with mileage over 100,000 miles add 1.5% to interest rate. |
| up to 36 months | 8.10%–16.10% | Model 6 Years & OLDER (Up to 100% of NADA Retail Value). Finance up to 100% of NADA value for 6 - 10 years old; up to 90% for 11 years or older. Vehicles with mileage over 100,000 miles add 1.5% to interest rate. |
Sources (1)
- bcbstecu.com/rates · captured Sep 18, 2026
Who can join BCBST Employee CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.