Credit union · NCUA insured
Northeast Community Credit Union Auto Loan Rates
Northeast Community Credit Union auto loans start at 4.99% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Northeast Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Johnson City, TN, where Northeast Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Northeast Community Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
New or Used Cars and Trucks (2023-2026)
Lowest rate
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
2nd-lowest rate
Greater Experience Credit Union
4.25%APR
- Terms
- 12–96 months
- Up to
- 16.25% APR
Northeast Community Credit Union auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northeast Community 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 & Used Motorcycles
Rates starting at; rate may vary based on credit experience, price, term, and underwriting criteria. New & Used Motorcycles up to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Rates starting at; rate may vary based on credit experience, price, term, and underwriting criteria. |
Sources (1)
- bemycu.org/rates · captured Oct 15, 2026
New or Used Cars and Trucks (2023-2026)
Rates shown are before loyalty discounts are applied. Rate may be higher depending on credit experience, price, term, and underwriting criteria. Financing available for up to 7 years. Loans for vehicles up to 15 years old. Option for no payments for up to 3 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 60 months | 4.99% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 72 months | 5.49% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 84 months | 5.99% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
Sources (3)
All captured Sep 18, 2026
Older Vehicles (2011-2016)
Rates shown are before loyalty discounts are applied. Rate may be higher depending on credit experience, price, term, and underwriting criteria. Option for no payments for up to 3 months. Older Vehicles (2011-2016).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.99% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. Model years 2011-2016. |
| up to 60 months | 7.49% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. Model years 2011-2016. |
Used Cars and Trucks (2017-2022)
Rates shown are before loyalty discounts are applied. Rate may be higher depending on credit experience, price, term, and underwriting criteria. Financing available for up to 7 years. Option for no payments for up to 3 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 60 months | 5.49% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 72 months | 5.99% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
| up to 84 months | 6.49% | Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts. |
Who can join Northeast Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Carter County, Washington County, Unicoi County, Johnson County, or Sullivan County are eligible for membership.
Family and household
- Immediate family and household members of a member—defined as parents, children, grandchildren, grandparents, siblings, step-parents, step-children, legal guardianship, adopted or fostered children, and persons living in the same residence as one household—are eligible for membership.
Cost to join
- Joining the credit union requires opening a personal primary share/savings account with a $5 minimum balance.
Membership information collected October 5, 2026.