Credit union · NCUA insured
Bowater Credit Union Auto Loan Rates
Top CarrotBowater Credit Union auto loans start at 3.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 5, 2026.
How Bowater Credit Union’s auto loan rates compare
Compared with banks and credit unions near Athens, TN, where Bowater Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Bowater Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Cars, Trucks, and Vans
2nd-lowest rate
Tennessee Valley Federal Credit Union
4.39%APR
- Terms
- up to 63 months
- Up to
- 15.99% APR
- Discount
- None included
3rd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Bowater Credit Union auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bowater 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 Loan Refinancing
Refinancing up to 100% of car's value with no application fee. Membership required with $5 deposit in Share Savings Account. Non-commercial vehicle refinancing.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.74% | As low as 5.74% APR for qualified borrowers. |
Sources (1)
- bowaterecu.org/auto-loans/refinance · captured Oct 5, 2026
New Cars, Trucks, and Vans
To be considered new, the vehicle can be up to two years old with fewer than 15,000 miles and not previously financed by the applicant at Bowater Credit Union. Available for dealer and qualifying private-party purchases. No money down, borrow up to 115% of car value. Membership required (living, working, worshipping, or attending school in Bradley, McMinn, Meigs, Monroe, or Polk County, or via Bowater Good Fellows/family).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Fixed rate. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 60 months | 3.99% | Fixed rate. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 72 months | 4.74% | Variable rate. Available on loans over $10,000. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 84 months | 5.49% | Variable rate. Available on loans over $30,000. Lowest available rate; actual rate may be higher depending on credit score. |
Sources (2)
All captured Oct 5, 2026
Used Cars, Trucks, and Vans greater than 100,000 Miles
For pre-owned cars, trucks, and vans with more than 100K miles. No money down, borrow up to 115% of car value. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Fixed rate. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 60 months | 6.24% | Fixed rate. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 72 months | 7.24% | Variable rate. Available on cars valued over $10,000. Lowest available rate; actual rate may be higher depending on credit score. |
Sources (2)
All captured Oct 5, 2026
Used Cars, Trucks, and Vans less than 100,000 Miles
For pre-owned cars, trucks, and vans with up to 100K miles. No money down, borrow up to 115% of car value. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Fixed rate. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 60 months | 4.99% | Fixed rate. Available on cars valued over $3,500. Lowest available rate; actual rate may be higher depending on credit score. |
| up to 72 months | 5.49% | Variable rate. Available on cars valued over $10,000. Lowest available rate; actual rate may be higher depending on credit score. |
Sources (2)
All captured Oct 5, 2026
Who can join Bowater Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or go to school in Bradley, McMinn, Meigs, Monroe, or Polk County, Tennessee.
Employers and groups
- Membership is open to employees of Bowater Credit Union Partner Companies.
Family and household
- Membership is open to family members of current members, including parents, spouses, spouse's parents, children, step-children, grandparents, spouse's grandparents, grandchildren, brothers, sisters, brothers/sisters-in-law, stepbrothers/stepsisters, aunts/uncles, and nieces/nephews.
Other ways
- Membership is open to Bowater Good Fellows, with Bowater Credit Union paying the contribution to the organization.
Cost to join
- New members must open a Savings account and deposit an initial $5; there is no membership fee.
Membership information collected October 5, 2026.