Credit union · NCUA insured
Jack Daniel Employees' Credit Union Auto Loan Rates
Top CarrotJack Daniel Employees' Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 15, 2026.
How Jack Daniel Employees' Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tullahoma, TN, where Jack Daniel Employees' Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Jack Daniel Employees' Credit Union
4.75%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto
2nd-lowest rate
Ascend Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 17.64% APR
- Discount
- None included
3rd-lowest rate
Old National Bank
6.01%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Jack Daniel Employees' Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Jack Daniel 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.
Classic Pre-owned Auto
Over 15 years of age. Amount available is based on a percentage of NADA Classic Auto value, not to exceed the purchase price. Loan max: $25,000. APR based on credit score. Rate reduction of 0.25% allowed at disbursement with each of: direct deposit, share draft account, E-statements, other loans with JDECU, mortgage with JDECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | $5,000 and Under. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
| up to 48 months | 6.00% | $5,001 - $15,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
| up to 60 months | 6.00% | $15,001 - $25,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
Sources (1)
- jdecu.org/lrates.html · captured Oct 7, 2026
Motorcycles (New and Used)
New - Based on the MSRP or sales price on bill of sale. Used - Up to 100% NADA Retail value plus tax, title, & license. Subject to inspection. Loan max: $50,000. APR based on credit score. Rate reduction of 0.25% allowed at disbursement with each of: direct deposit, share draft account, E-statements, other loans with JDECU, mortgage with JDECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.00% | Under $5,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
| up to 48 months | 6.00% | $5,000 Minimum. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
| up to 60 months | 6.00% | $10,000 Minimum. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
| up to 72 months | 6.00% | $20,000 - $50,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $30.42-$32.27. |
Sources (1)
- jdecu.org/lrates.html · captured Oct 7, 2026
New Auto
Based on the MSRP or NADA Retail Value, not to exceed the purchase price. Loan max: $70,000. APR based on credit score. Rate reduction of 0.25% allowed at disbursement with each of: direct deposit, share draft account, E-statements, other loans with JDECU, mortgage with JDECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Under $15,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.86-$31.57. |
| up to 72 months | 4.75% | $15,000 Minimum. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.86-$31.57. |
| up to 84 months | 5.00% | $30,000 Minimum. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.97-$32.38. |
Sources (1)
- jdecu.org/lrates.html · captured Oct 7, 2026
Pre-owned Auto
Based on MSRP/NADA Retail Value not to exceed purchase price; loan max $70,000. 84 months: vehicle not to exceed 3 yrs of age. 72 months: vehicle not to exceed 7 yrs of age. Auto subject to inspection. APR based on credit score. Rate reduction of 0.25% allowed at disbursement with each of: direct deposit, share draft account, E-statements, other loans with JDECU, mortgage with JDECU.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.75% | Under $15,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.86-$31.57. |
| up to 72 months | 4.75% | $15,000 Minimum. Vehicle not to exceed 7 yrs of age for 72 months term. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.86-$31.57. |
| up to 84 months | 5.00% | $30,000 Minimum. Vehicle not to exceed 3 yrs of age for 84 months term. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.97-$32.38. |
Sources (1)
- jdecu.org/lrates.html · captured Oct 7, 2026
Who can join Jack Daniel Employees' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals employed by Jack Daniel Distillery, Lynchburg, Tennessee.
- Individuals employed by Subsidiaries of Jack Daniel Distillery, Lynchburg, Tennessee.
- Retirees of Jack Daniel Distillery, Lynchburg, Tennessee.
Military, government and schools
- Individuals employed by Metropolitan Lynchburg/ Moore County Board of Education.
- Individuals employed by Metropolitan Lynchburg/ Moore County Government.
- Retirees of Metropolitan Lynchburg/ Moore County after 12/2012.
3 more ways to join
Military, government and schools
- Roster Volunteer Fire Department members.
- Roster Volunteer Sheriff’s Department members.
Family and household
- Immediate family members of individuals employed by the specified eligible employers.
Cost to join
- A minimum $5 deposit in a share account is required to start membership.
Membership information collected October 5, 2026.