Credit union · NCUA insured
Gateway Credit Union Auto Loan Rates
Top CarrotGateway Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Gateway Credit Union’s auto loan rates compare
Compared with banks and credit unions near Clarksville, TN-KY, where Gateway Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gateway Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 12.50% APR
New Auto (2025-2026)
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
- —
Gateway Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gateway 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.
Motorcycle (2023 - 2026)
Rates based on credit score. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 9.00%–18.00% | Rates based on credit score. |
Sources (2)
All captured Oct 7, 2026
Motorcycle (Any Year)
Rates based on credit score. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.00%–18.00% | Rates based on credit score. |
Sources (2)
All captured Oct 7, 2026
New Auto (2025-2026)
Rates based on credit score. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–12.50% | Rates based on credit score. |
| up to 72 months | 5.25%–12.75% | Rates based on credit score. |
| up to 84 months | 5.50%–15.00% | Rates based on credit score. Denotes an auto over $40K financed. |
| up to 96 months | 6.50%–15.50% | Rates based on credit score. Denotes an auto over $50K financed. |
Sources (2)
All captured Oct 7, 2026
Secured Auto (2017 - 2021)
Rates based on credit score. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.25%–15.25% | Rates based on credit score. |
Sources (2)
All captured Oct 7, 2026
Secured Auto (2022 - 2026)
Rates based on credit score. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–14.50% | Rates based on credit score. |
| up to 72 months | 5.25%–14.50% | Rates based on credit score. |
Sources (2)
All captured Oct 7, 2026
Secured Auto (Up to 2021)
Rates based on credit score. Vehicles 11 years and older may be financed for up to 48 months. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.75%–15.00% | Rates based on credit score. Vehicles 11 years and older may be financed for up to 48 months. |
Sources (2)
All captured Oct 7, 2026
Secured Luxury (2023-2026)
Rates based on credit score. Denotes an auto over $40K financed. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.50%–16.00% | Rates based on credit score. Denotes an auto over $40K financed. |
Sources (2)
All captured Oct 7, 2026
Secured Luxury (2024-2026)
Rates based on credit score. Denotes an auto over $50K financed. Membership requires submitting an application and depositing $25.00 into a Regular Share/Savings account.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.75%–16.00% | Rates based on credit score. Denotes an auto over $50K financed. |
Sources (2)
All captured Oct 7, 2026
Who can join Gateway 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 Montgomery County, TN.
Employers and groups
- Membership is open to employees and trustees of Clarksville Department of Electricity, located in Clarksville, TN.
- Membership is open to employees and trustees of the Cumberland Electric Membership Corporation.
Family and household
- Membership is open to immediate family members of employees or trustees of Clarksville Department of Electricity, located in Clarksville, TN.
- Membership is open to immediate family members of employees or trustees of the Cumberland Electric Membership Corporation.
- Membership is open to immediate family members of individuals who live, work, worship, or attend school in Montgomery County, TN.
Cost to join
- Joining requires a minimum deposit of $25 into a Share Account to keep the account open.
Membership information collected October 5, 2026.