Credit union · NCUA insured
Lauderdale County Teachers Credit Union Auto Loan Rates
Lauderdale County Teachers Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Lauderdale County Teachers Credit Union’s auto loan rates compare
Compared with banks and credit unions near Florence, AL, where Lauderdale County Teachers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Lauderdale County Teachers Credit Union
5.25%APR
- Terms
- up to 60 months
NEW (Under 10,000 miles)
Lowest rate
Florence Federal Credit Union
5.00%APR
- Terms
- up to 60 months
2nd-lowest rate
Railway Employees
5.00%APR
- Terms
- —
Lauderdale County Teachers Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lauderdale County Teachers 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.
ANTIQUE AUTOS
9 years and older from the oldest used year model.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.25% | 9 years and older from the oldest used year model. |
Sources (1)
- lctcu.org/loan-rates · captured Oct 22, 2026
NEW (Under 10,000 miles)
Under 10,000 miles. Credit score of 600+.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25% | Credit score of 600+. Under 10,000 miles. |
| up to 72 months | 5.25% | Credit score of 600+. Under 10,000 miles. |
| up to 84 months | 6.25% | Credit score of 600+. Under 10,000 miles. |
Sources (1)
- lctcu.org/loan-rates · captured Oct 22, 2026
USED (2010 – 2015)
Model years 2010 – 2015.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | Up to 48 months. Model years 2010 – 2015. |
Sources (1)
- lctcu.org/loan-rates · captured Oct 22, 2026
USED (2015 – 2023)
Model years 2015 – 2023. Credit score of 700+ can loan up to 90% of retail.
| Terms | APR | Conditions |
|---|---|---|
| 60–72 months | 5.25% | Credit score of 700+ can loan up to 90% of retail. Model years 2015 – 2023. |
Sources (1)
- lctcu.org/loan-rates · captured Oct 22, 2026
Who can join Lauderdale County Teachers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Military, government and schools
- Employees of Heritage Christian University are eligible for membership.
- Employees of the Lauderdale County School Board of Education are eligible for membership.
- Employees of Mars Hill Bible School are eligible for membership.
- Retired persons from another teachers school system are eligible for membership.
- Employees of Riverhill School are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Shoals Christian School are eligible for membership.
Family and household
- Immediate family members of eligible employees are eligible for membership.
Cost to join
- A $5.00 deposit in a share account is required to become a member of the Credit Union.
Membership information collected October 4, 2026.