Credit union · NCUA insured
Beacon Financial Credit Union Auto Loan Rates
Beacon Financial Credit Union auto loans start at 4.75% APR for a new vehicle and 4.90% for a used one. Rates checked October 15, 2026.
How Beacon Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnson City, TN, where Beacon Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Beacon Financial Credit Union
4.75%APR
- Terms
- 24–120 months
- Up to
- —
New Autos
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
Greater Experience Credit Union
4.25%APR
- Terms
- 12–96 months
- Up to
- 16.25% APR
Beacon Financial Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.75%
- 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 Beacon Financial 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 Autos
Financing up to 100% of Retail Value. Must join Beacon Financial Credit Union to process loan.
| Terms | APR | Conditions |
|---|---|---|
| 24–120 months | 4.75% | Rate is As low As 4.75%. Financing up to 100% of Retail Value. |
Sources (1)
- beaconfcu.org/rates · captured Oct 7, 2026
Used Autos
Finances Loan Value or average retail / trade-in/loan value. Must join Beacon Financial Credit Union to process loan.
| Terms | APR | Conditions |
|---|---|---|
| 24–120 months | 4.90% | Rate is As Low As 4.90%. Financing Loan Value or average retail / trade-in/loan value. |
Sources (1)
- beaconfcu.org/rates · captured Oct 7, 2026
Who can join Beacon Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, contract employees, and volunteers of Ballad Health or its subsidiaries are eligible for membership.
- Employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Family and household
- Family members (including spouses, children, parents, grandparents, siblings, aunts, uncles, cousins, and step relations) of Ballad Health employees, contract employees, or volunteers are eligible for membership.
- Family members of employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Cost to join
- A $25.00 minimum balance in a regular share (savings) account is required for membership.
Membership information collected October 5, 2026.