Credit union · NCUA insured
Fortera Credit Union Auto Loan Rates
Top CarrotFortera Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How Fortera Credit Union’s auto loan rates compare
Compared with banks and credit unions near Clarksville, TN-KY, where Fortera Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fortera Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- 9.49% APR
New Autos
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
Service One Credit Union
4.50%APR
- Terms
- up to 66 months
- Up to
- —
Fortera Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fortera 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 Autos
Rates based on credit history and term. Loan to Value up to 130%. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.74%–9.49% | — |
| up to 72 months | 4.99%–9.74% | — |
| up to 84 months | 5.24%–7.49% | — |
Sources (1)
- forteracu.com/banking/personal…auto-loans/new-auto-loan · captured Oct 5, 2026
Used Autos 2016 to 2019
Loan to Value up to 130%. Subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99%–11.24% | — |
Sources (1)
- forteracu.com/banking/personal…uto-loans/used-auto-loan · captured Oct 5, 2026
Used Autos 2020 to 2023
Loan to Value up to 130%. Subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–9.99% | — |
| up to 72 months | 5.74%–10.24% | — |
| up to 84 months | 5.99%–7.99% | — |
Sources (1)
- forteracu.com/banking/personal…uto-loans/used-auto-loan · captured Oct 5, 2026
Used Autos 2024 to 2026
Loan to Value up to 130%. Subject to approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24%–9.74% | — |
| up to 72 months | 5.49%–9.99% | — |
| up to 84 months | 5.74%–7.74% | — |
Sources (1)
- forteracu.com/banking/personal…uto-loans/used-auto-loan · captured Oct 5, 2026
Who can join Fortera 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 available to anyone who lives, works, worships, or attends school in Fortera's service regions in Tennessee (Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties) or Kentucky (Christian, Trigg, Todd, McLean, and Webster counties).
Employers and groups
- Membership is available through a qualifying association membership, with Fortera covering the membership fee.
- Membership is available by joining an affiliated partner.
Family and household
- Membership is open to individuals who have an immediate family member who is a Fortera member.
Membership information collected October 5, 2026.