Credit union · NCUA insured
EPB EMPLOYEES CREDIT UNION Auto Loan Rates
EPB EMPLOYEES CREDIT UNION auto loans start at 5.00% APR for a new vehicle and 6.00% for a used one. Rates checked October 15, 2026.
How EPB EMPLOYEES CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where EPB EMPLOYEES CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EPB EMPLOYEES CREDIT UNION
5.00%APR
- Terms
- up to 60 months
- Up to
- 16.00% APR
New Vehicle Secured Loans
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
- Up to
- —
EPB EMPLOYEES CREDIT UNION auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EPB 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.
New Vehicle Secured Loans
Maximum payback term up to 72 months. Maximum 50% DTI, acceptable credit report, proof of employment stability, and proper insurance required. Loan amount based on 100% of dealer's cost plus taxes, warranty, and transportation. Vehicle can have up to 15,000 miles and still qualify for new car rate. Rates lowered by 0.50% if loan-to-collateral value is 80% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00%–16.00% | 60 months, up to 15,000 miles. Credit Score 850-750: 5.00%, 749-700: 5.50%, 699-650: 6.00%, 649-600: 11.00%, 599-500: 16.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
| up to 72 months | 5.50%–16.50% | 72 months, up to 15,000 miles. Credit Score 850-750: 5.50%, 749-700: 6.00%, 699-650: 6.50%, 649-600: 11.50%, 599-500: 16.50%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
Used Vehicle Secured Loans
Loan amount based on JD Power Official Used Car Guide clean retail value. Maximum 50% DTI, acceptable credit report, proof of employment stability, and proper insurance required. Rates lowered by 0.50% if loan-to-collateral value is 80% or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00%–18.00% | Vehicle model years 2024-2020 with 25,000 miles or more, 60 months. Credit Score 850-750: 6.00%, 749-700: 6.50%, 699-650: 7.00%, 649-600: 12.00%, 599-500: 18.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
| up to 72 months | 6.50%–18.00% | Vehicle model years 2024-2020 with up to 25,000 miles, 72 months. Credit Score 850-750: 6.50%, 749-700: 7.00%, 699-650: 7.50%, 649-600: 12.50%, 599-500: 18.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
| up to 60 months | 7.75%–18.00% | Vehicle model years 2019-2015, 60 months. Credit Score 850-750: 7.75%, 749-700: 8.25%, 699-650: 8.75%, 649-600: 13.75%, 599-500: 18.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
| up to 36 months | 8.00%–18.00% | Vehicle model years 2014-2008, 36 months. Credit Score 850-750: 8.00%, 749-700: 8.50%, 699-650: 9.00%, 649-600: 14.00%, 599-500: 18.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
| up to 36 months | 9.00%–18.00% | Vehicle model years 2007 and older, 36 months. Credit Score 850-750: 9.00%, 749-700: 9.50%, 699-650: 10.00%, 649-600: 15.00%, 599-500: 18.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less. |
Who can join EPB EMPLOYEES CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of current contractors of EPB & TAW are eligible for membership.
- Employees of the EPB Employees Credit Union are eligible for membership.
- Employees of EPB & TAW are eligible for membership.
- Retirees of EPB & TAW are eligible for membership.
Family and household
- Family of employees of EPB Employees Credit Union are eligible for membership.
- Family members (grandparents, parents, siblings, children, and grandchildren) of employees or retirees of EPB & TAW are eligible for membership.
Cost to join
- For babies up to six months of age, joining is free: the $1 processing fee is waived and the Credit Union starts the share account with the first $30.
- A one dollar processing fee is required for membership/ownership.
- A minimum initial deposit of $30 (6 shares at $5 par value each) into a primary share account is required for membership/ownership.
Membership information collected October 5, 2026.