Credit union · NCUA insured
Chattanooga Federal Employees Credit Union Auto Loan Rates
Top CarrotChattanooga Federal Employees Credit Union auto loans start at 4.00% APR for a new vehicle and 4.00% for a used one. Rates checked October 15, 2026.
How Chattanooga Federal Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Chattanooga Federal Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chattanooga Federal Employees Credit Union
4.00%APR
- Terms
- up to 60 months
Vehicles up to 25,000 miles
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
Chattanooga Federal Employees Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew4.00%
- Used vehicleUsed4.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chattanooga Federal Employees 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.
Vehicles from 25,000 to 100,000 miles
Rate based on creditworthiness. Same great rate whether new or used vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.00% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $23.04. |
| up to 60 months | 5.25% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $18.99. |
| up to 72 months | 5.75% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $16.46. |
| up to 84 months | 6.75% | As low as APR based on credit worthiness. 84 month term available for vehicles valued at $30,000 and higher. Monthly payment per $1,000 borrowed is $14.98. |
Vehicles up to 25,000 miles
Rate based on creditworthiness. Same great rate whether new or used vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.00% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $22.59. |
| up to 60 months | 4.00% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $18.42. |
| up to 72 months | 4.50% | As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $15.88. |
| up to 84 months | 5.50% | As low as APR based on credit worthiness. 84 month term available for vehicles valued at $30,000 and higher. Monthly payment per $1,000 borrowed is $14.38. |
Who can join Chattanooga Federal Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, and family members of BlueCross BlueShield of Tennessee are eligible for membership.
- Employees of several employer groups served by the credit union are eligible for membership.
Military, government and schools
- Employees, retirees, and family members of the Federal government are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, legal adoption, or legal guardianship) of eligible members are eligible for membership.
Cost to join
- A $25 minimum Share Account balance is required to maintain membership and represent shares of ownership.
Membership information collected October 5, 2026.