Credit union · NCUA insured
Knoxville Teachers Federal Credit Union Auto Loan Rates
Knoxville Teachers Federal Credit Union auto loans start at 6.00% APR for a new vehicle and 6.50% for a used one. Rates checked October 15, 2026.
How Knoxville Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where Knoxville Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Knoxville Teachers Federal Credit Union
6.00%APR
- Terms
- up to 72 months
New Car Variable Loan
Lowest rate
Knoxville Law Enforcement Federal Credit Union
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
KNOX CO. EMPLOYEES
4.49%APR
- Terms
- —
Knoxville Teachers Federal Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.00%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Knoxville Teachers Federal 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 Car Variable Loan
Rates reflect 0.5% discount for automatic payments. Loan must be less than 110% of NADA retail value.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.00% | — |
| up to 66 months | 6.00% | — |
| up to 72 months | 6.00% | — |
| up to 84 months | 6.50% | 95% of MSRP |
Sources (1)
- ktfcu.org/rate · captured Oct 5, 2026
Used Car Variable Loan
Rates reflect 0.5% discount for automatic payments. Loan must be less than 110% of NADA retail value.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.00% | Model years 2022 – 2026 |
| up to 72 months | 6.50% | Model years 2022 – 2026 |
| up to 60 months | 6.50% | Model years 2018 – 2021 |
| up to 48 months | 7.00% | Model years 2014 – 2017 |
| up to 42 months | 7.00% | Model years 2008 – 2013 |
| up to 36 months | 13.00% | Model years 2007 and older |
Sources (1)
- ktfcu.org/rate · captured Oct 5, 2026
Who can join Knoxville Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Teachers and other employees of Knox County Schools, as well as public, private, and parochial schools in Knox and surrounding counties, are eligible for membership.
Family and household
- Immediate family members (mothers, fathers, sisters, brothers, sons, and daughters) of qualifying school employees are eligible to join.
Cost to join
- Joining requires creating a regular share account and maintaining a minimum balance of $250.00 in the primary shares (savings) account.
Membership information collected October 5, 2026.