Credit union · NCUA insured
Cherokee County Federal Credit Union Auto Loan Rates
Cherokee County Federal Credit Union auto loans start at 5.10% APR for a new vehicle and 5.90% for a used one. Rates checked October 16, 2026.
How Cherokee County Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, TX, where Cherokee County Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cherokee County Federal Credit Union
5.10%APR
- Terms
- up to 72 months
- Up to
- 16.35% APR
New Auto Loans
2nd-lowest rate
Cherokee County Teachers Federal Credit Union
5.20%APR
- Terms
- up to 72 months
- Up to
- —
Cherokee County Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.10%
- Used vehicleUsed5.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cherokee County 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.
New Auto Loans
Credit approval and membership eligibility required. Rates based on creditworthiness. Financing $25,000 or more on a qualifying new or used vehicle loan offers a mystery discount of up to 1.00% off qualifying APR through October 31, 2026 (excludes existing CCFCU loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.10%–16.35% | Secured loan; Beacon Score 720+ for 5.10%, 554 & below for 16.35% |
| up to 84 months | 5.60%–16.85% | Secured loan; *84 months; Beacon Score 720+ for 5.60%, 554 & below for 16.85% |
Sources (3)
- cherokeecountyfcu.com
- cherokeecountyfcu.com/loans-and-credit/auto-loans.html
- cherokeecountyfcu.com/services…d-tools/tools/rates.html
All captured Oct 6, 2026
Used Auto Loans
Credit approval and membership eligibility required. Rates based on creditworthiness. Financing $25,000 or more on a qualifying new or used vehicle loan offers a mystery discount of up to 1.00% off qualifying APR through October 31, 2026 (excludes existing CCFCU loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.90% | Vehicle Age: 1 Yr. Old; Beacon Score: 720+ |
| up to 72 months | 6.90% | Vehicle Age: 2 Yrs. Old; Beacon Score: 680-719 |
| up to 72 months | 7.90% | Vehicle Age: 3 Yrs. Old; Beacon Score: 640-679 |
| up to 60 months | 11.15% | Vehicle Age: 4 Yrs. Old; Beacon Score: 600-639 |
| up to 60 months | 15.15% | Vehicle Age: 5 Yrs. Old; Beacon Score: 555-599 |
| 48–60 months | 17.15% | Vehicle Age: 6 Yrs. Old; Beacon Score: 554 & below |
Sources (3)
- cherokeecountyfcu.com
- cherokeecountyfcu.com/loans-and-credit/auto-loans.html
- cherokeecountyfcu.com/services…d-tools/tools/rates.html
All captured Oct 6, 2026
Who can join Cherokee County 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
- Membership is open to anyone who lives, works, worships, or attends school in Cherokee County.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 5, 2026.