Credit union · NCUA insured
Chattanooga First Federal Credit Union Auto Loan Rates
Chattanooga First Federal Credit Union auto loans start at 7.49% APR for a new vehicle and 8.49% for a used one. Rates checked October 15, 2026.
How Chattanooga First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Chattanooga First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Chattanooga First Federal Credit Union
7.49%APR
- Terms
- up to 60 months
- Up to
- 17.99% APR
New Car Financing
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Chattanooga First Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.49%
- Used vehicleUsed8.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chattanooga First 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.
Classic Automobile
Financing up to 100% NADA. All consumer loan rates apply to members with excellent credit, debt/income ratio of 49% or less, and beacon score of 740 and over. Starting rates are lowest available; higher rates apply for lower beacon scores. Maximum rate is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 10.79%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 36 months | 11.29%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 48 months | 11.79%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 60 months | 12.29%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 72 months | 12.79%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 75 months | 12.79%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| 76–84 months | 13.29%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
Sources (1)
- chattfirst.org/loans · captured Oct 7, 2026
Motorcycle Loans
100% List – New, Retail, Used. All consumer loan rates apply to members with excellent credit, debt/income ratio of 49% or less, and beacon score of 740 and over. Starting rates are lowest available; higher rates apply for lower beacon scores. Maximum rate is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 8.75%–17.99% | 100% List – New, Retail, Used. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 36 months | 8.75%–17.99% | 100% List – New, Retail, Used. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 48 months | 9.25%–17.99% | 100% List – New, Retail, Used. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 60 months | 9.25%–17.99% | 100% List – New, Retail, Used. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| 72+ months | 9.75%–17.99% | 100% List – New, Retail, Used. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
Sources (1)
- chattfirst.org/loans · captured Oct 7, 2026
New Car Financing
'New' vehicles may be up to two years old with less than 25,000 miles and cannot have been previously financed by the CFFCU member. Starting rates are the lowest rates available; rate depends on credit score (beacon score) and credit approval. All consumer loan rates apply to members with excellent credit, debt/income ratio of 49% or less, and beacon score of 740 and over. Financing up to 100% MSRP. Maximum rate is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.99%–17.99% | Up to 100% MSRP. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 36 months | 6.99%–17.99% | Up to 100% MSRP. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 48 months | 6.99%–17.99% | Up to 100% MSRP. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 60 months | 7.49%–17.99% | Up to 100% MSRP. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 72 months | 7.49%–17.99% | Up to 100% MSRP. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
Sources (1)
- chattfirst.org/loans · captured Oct 7, 2026
Used Car Financing
Financing up to 100% NADA. All consumer loan rates apply to members with excellent credit, debt/income ratio of 49% or less, and beacon score of 740 and over. Starting rates are lowest available; higher rates apply for lower beacon scores. Maximum rate is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.99%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 36 months | 7.99%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 48 months | 8.29%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 60 months | 8.49%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
| up to 72 months | 9.49%–17.99% | Up to 100% NADA. Lowest rates require excellent credit (beacon score 740+) and DTI 49% or less. |
Sources (1)
- chattfirst.org/loans · captured Oct 7, 2026
Who can join Chattanooga First 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
- Anyone who does business regularly in Hamilton County, TN is eligible to join.
- Anyone who lives in Hamilton County, TN is eligible to join.
- Anyone who works in Hamilton County, TN is eligible to join.
Military, government and schools
- Anyone who attends school in Hamilton County, TN is eligible to join.
Other ways
- Any business or legal entity located in Hamilton County, TN is eligible to join.
Cost to join
- A $25 deposit is required to open a Savings/Share Account.
Membership information collected October 5, 2026.