Credit union · NCUA insured
Johnsonville TVA Employees Credit Union Auto Loan Rates
Johnsonville TVA Employees Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Johnsonville TVA Employees Credit Union’s auto loan rates compare
Compared with banks and credit unions near Clarksville, TN-KY, where Johnsonville TVA Employees Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Johnsonville TVA Employees Credit Union
5.74%APR
- Terms
- up to 84 months
- Up to
- 6.65% APR
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Service One Credit Union
4.50%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
Johnsonville TVA Employees Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Johnsonville TVA 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.
Vehicle Loans
Loan Amount up to 100%. APR includes loan processing fee of $30.00. The annual percentage rates listed are our best rates, which include Auto Payment Discount, and/or Military Discount, or College Graduate Discount. Your rate may be higher depending on your credit score. Approval is not based on credit score. All rates and terms are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.74%–6.65% | Model years 2026 - 2025. Stated interest rate: 4.85% - 5.75%. Example payment per $1,000 borrowed: $14.49 - $14.93. Credit Scores must be at least A or B rating to receive 84 month term loan. |
| up to 75 months | 5.74%–8.26% | Model years 2026 - 2020. Stated interest rate: 4.75% - 7.25%. Example payment per $1,000 borrowed: $15.90 - $17.12. Credit Scores must be at least A, B, or C rating to receive 75 months or higher term loan. |
| up to 66 months | 5.77%–15.42% | Model years 2026 - 2020. Stated interest rate: 4.65% - 14.20%. Example payment per $1,000 borrowed: $17.72 - $22.57. |
| up to 48 months | 6.05%–15.70% | Model years 2026 - 2020. Stated interest rate: 4.55% - 14.10%. Example payment per $1,000 borrowed: $23.51 - $28.19. |
| up to 54 months | 7.66%–16.21% | Model years 2019 - 2016. Stated interest rate: 6.30% - 14.75%. Example payment per $1,000 borrowed: $21.96 - $26.21. |
| up to 48 months | 8.73%–16.36% | Model years 2015 & Older. Stated interest rate: 7.20% - 14.75%. Example payment per $1,000 borrowed: $24.76 - $28.53. |
Sources (1)
- jtvaecu.org/rates-loan.htm · captured Oct 7, 2026
Who can join Johnsonville TVA 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 companies and organizations listed in the credit union's field of membership are eligible to join.
Family and household
- Family and household members of an existing member (including children married and single, spouse, children's spouses and household members, mother, father, mother-in-law, father-in-law, brother, or sister) are eligible for membership.
Cost to join
- A $25.00 deposit to a share (savings) account is required to establish membership.
- A $1.00 one-time membership fee is required to establish membership.
Membership information collected October 5, 2026.