Credit union · NCUA insured
Patriot Equity Credit Union Auto Loan Rates
Patriot Equity Credit Union auto loans start at 4.49% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Patriot Equity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, TN, where Patriot Equity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Patriot Equity Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
New Autos
Lowest rate
Leaders Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- None included
3rd-lowest rate
Southeast Financial Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Patriot Equity Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Patriot Equity 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 Autos
Rates subject to creditworthiness and membership eligibility. Displayed rates include a 0.50% discount for automatic payment from a Patriot Equity Credit Union checking account. 73-84 month terms are available for new and used vehicles within three model years or less; loan terms may be shorter to qualify for APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.49% | Rates as low as 4.49% APR. Includes 0.50% automatic payment discount from checking account. 73-84 month terms available for vehicles within 3 model years or less; shorter terms may be required to qualify for APR. |
New Motorcycles
Rates subject to creditworthiness and membership eligibility. Displayed rates include a 0.50% discount for automatic payment from a Patriot Equity Credit Union checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.99% | Rates as low as 7.99% APR. Includes 0.50% automatic payment discount from checking account. |
Used Autos
Rates subject to creditworthiness and membership eligibility. Displayed rates include a 0.50% discount for automatic payment from a Patriot Equity Credit Union checking account. 73-84 month terms are available for new and used vehicles within three model years or less; loan terms may be shorter to qualify for APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rates as low as 4.99% APR. Includes 0.50% automatic payment discount from checking account. 73-84 month terms available for vehicles within 3 model years or less; shorter terms may be required to qualify for APR. |
Used Motorcycles
Rates subject to creditworthiness and membership eligibility. Displayed rates include a 0.50% discount for automatic payment from a Patriot Equity Credit Union checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.74% | Rates as low as 8.74% APR. Includes 0.50% automatic payment discount from checking account. |
Who can join Patriot Equity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, volunteer, or attend school in Madison County, Tennessee are eligible for membership.
Employers and groups
- Enterprises or organizations in Madison County, as well as their directors, employees, volunteers, or retirees, are eligible for membership.
- Railroad employees and employees of affiliated small employee groups are eligible for membership.
Military, government and schools
- Employees of the U.S. Postal Service and employees of the Federal Government are eligible for membership.
Family and household
- Individuals with an existing family membership connection are eligible for membership.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share deposit and balance of $25 in a savings account is required for ownership and services.
Membership information collected October 5, 2026.