Credit union · NCUA insured
Healthcare Services Credit Union Auto Loan Rates
Top CarrotHealthcare Services Credit Union auto loans start at 4.39% APR for a new vehicle and 8.69% for a used one. Rates checked October 15, 2026.
How Healthcare Services Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Healthcare Services Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Healthcare Services Credit Union
4.39%APR
- Terms
- 24–84 months
- Up to
- 11.89% APR
Car & Truck 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
- —
Healthcare Services Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed8.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Healthcare Services 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.
Car & Truck Loans
| Terms | APR | Conditions |
|---|---|---|
| 24–84 months | 4.39%–11.89% | New & Used vehicles with 25,000 miles or less. Loan amount over $30,000 required to qualify for up to 84 months terms. Rates depend on credit strength and collateral. Credit approval required. Insurance proof required. |
| 24–84 months | 5.49%–13.89% | Used vehicles with 25,001 to 99,000 miles. Loan amount over $30,000 required to qualify for up to 84 months terms. Rates depend on credit strength and collateral. Credit approval required. Insurance proof required. |
| 24–72 months | 8.69%–13.89% | Used vehicles with over 100,000 miles. Loan amount over $30,000 required to qualify for up to 72 months terms. Rates depend on credit strength and collateral. Credit approval required. Insurance proof required. |
Sources (1)
- hscu.net/loan-rates · captured Oct 7, 2026
Who can join Healthcare Services Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.