Credit union · NCUA insured
Cherokee County Teachers Federal Credit Union Auto Loan Rates
Cherokee County Teachers Federal Credit Union auto loans start at 5.20% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Cherokee County Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jacksonville, TX, where Cherokee County Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Cherokee County Teachers Federal Credit Union
5.20%APR
- Terms
- up to 72 months
- Up to
- —
New Vehicles
Lowest rate
Cherokee County Federal Credit Union
5.10%APR
- Terms
- up to 72 months
- Up to
- 16.35% APR
Cherokee County Teachers Federal Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.20%
- Used vehicleUsed5.70%
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 Teachers 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 Vehicles
With approved credit (W.A.C.). Applies to model years 2026-2024. Deduct 0.25% from stated rate with a 20% or greater down payment of purchase price plus TT&L. Deduct 0.50% from stated rate if repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term. Deduct 0.25% from stated rate when requesting a lower term than the lowest stated term. Loan rates may be higher due to credit rating.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.45% | For loans of $35,000+; model years 2026-2024; with approved credit (W.A.C.). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
| up to 72 months | 5.20% | Model years 2026-2024; with approved credit (W.A.C.). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
Sources (2)
All captured Oct 7, 2026
Used Vehicles
With approved credit (WAC). Purchase only NADA loan value. Deduct 0.50% from stated rate if repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term. Deduct 0.25% from stated rate with a 20% or greater down payment of purchase price plus TT&L. Deduct 0.25% from stated rate when requesting a lower term than the lowest stated term. Loan rates may be higher due to credit rating.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.70% | Model years 2024-2022; purchase only NADA loan value; with approved credit (WAC). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
| up to 60 months | 5.95% | Model years 2021-2020; purchase only NADA loan value; with approved credit (WAC). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
| up to 48 months | 6.20% | Model years 2019-2018; purchase only NADA loan value; with approved credit (WAC). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
| up to 36 months | 6.45% | Model years 2017-2016; purchase only NADA loan value; with approved credit (WAC). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection. |
Sources (2)
All captured Oct 7, 2026
Who can join Cherokee County Teachers 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
- Individuals who live, work, worship, or attend school in Rusk, Texas are eligible for membership.
Employers and groups
- Employees of Cherokee County Electric Cooperative are eligible for membership.
Military, government and schools
- Employees of Cherokee County Appraisal District are eligible for membership.
- Cherokee County employees are eligible for membership.
- Employees of Cherokee County independent school district are eligible for membership.
Family and household
- Individuals who have an immediate family member who is a member are eligible for membership.
Cost to join
- Membership requires opening and depositing $25.00 into a share savings account as a minimum balance.
Membership information collected October 5, 2026.