Credit union · NCUA insured
ORNL Federal Credit Union Auto Loan Rates
ORNL Federal Credit Union auto loans start at 6.14% APR for a new vehicle and 6.14% for a used one. Rates checked October 15, 2026.
How ORNL Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where ORNL Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ORNL Federal Credit Union
6.14%APR
- Terms
- —
Secured Loans (Auto, Motorcycle & ATV)
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
- —
ORNL Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew6.14%
- Used vehicleUsed6.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ORNL 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.
Secured Loans (Auto, Motorcycle & ATV)
Enjoy a 0.25% APR discount with automatic payments or direct deposit. First payment may be deferred for up to 90 days from the loan date.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.14% | Lowest rates based on Credit Union's Qualified Loan Program. Rate is determined by credit qualifications, amount financed, collateral, and loan terms. A 0.25% APR discount is available with auto-debit or direct deposit to an ORNL FCU account. |
Who can join ORNL Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.