Credit union · NCUA insured
Scenic Community Credit Union Auto Loan Rates
Top CarrotScenic Community Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Scenic Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Scenic Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Scenic Community Credit Union
4.49%APR
- Terms
- 49–63 months
New and Used Vehicles
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
Scenic Community Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Scenic 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 Motorcycles
1200 cc's & up - Never Titled. Loan rates and terms will vary depending on creditworthiness. Must be an SCCU member.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | 1200 cc's & up - Never Titled |
| up to 48 months | 7.75% | 1200 cc's & up - Never Titled |
| up to 60 months | 8.25% | 1200 cc's & up - Never Titled |
| up to 72 months | 8.75% | 1200 cc's & up - Never Titled |
| up to 84 months | 9.25% | 1200 cc's & up - Never Titled |
New and Used Vehicles
Rates vary depending on creditworthiness, credit score, loan term, and down payment. Must be a member of Scenic Community Credit Union (living, working, worshipping, volunteering, or attending school in Hamilton, Sequatchie, or Marion Counties in TN, or Catoosa, Walker, or Dade Counties in GA, or an immediate family/household member).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.39% | Up to 25,000 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 49–63 months | 4.49% | Up to 25,000 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 64–75 months | 4.99% | Up to 25,000 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 76–84 months | 5.79% | Up to 25,000 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| up to 48 months | 5.39% | 25,001 miles to 99,999 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 49–63 months | 5.49% | 25,001 miles to 99,999 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 64–75 months | 5.99% | 25,001 miles to 99,999 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 76–84 months | 6.79% | 25,001 miles to 99,999 miles; Up to 135% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| up to 48 months | 6.49% | 100,000 miles to 125,000 miles; Up to 120% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 49–60 months | 6.59% | 100,000 miles to 125,000 miles; Up to 120% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 61–72 months | 6.99% | 100,000 miles to 125,000 miles; Up to 120% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| up to 48 months | 6.69% | 125,001 miles to 150,000 miles; Up to 120% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
| 49–60 months | 6.79% | 125,001 miles to 150,000 miles; Up to 120% of Retail; Max Backend – 20% of MSRP or the NADA Retail or $8,500, whichever is less (SCCU GAP in addition). |
Sources (3)
All captured Oct 5, 2026
Used Motorcycles
1200 cc's & up - Year models '17 to current. Loan rates and terms will vary depending on creditworthiness. Must be an SCCU member.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.25% | 1200 cc's & up - Year models '17 to current |
| up to 48 months | 8.75% | 1200 cc's & up - Year models '17 to current |
| up to 60 months | 9.25% | 1200 cc's & up - Year models '17 to current |
| up to 72 months | 9.75% | 1200 cc's & up - Year models '17 to current |
Who can join Scenic 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 or work in Catoosa County, Walker County, or Dade County, Georgia are eligible to join.
- Individuals who live, work, worship, volunteer, or go to school in Hamilton County, Sequatchie County, or Marion County, Tennessee are eligible to join.
Family and household
- Immediate family and household members of individuals who meet the geographic eligibility criteria are eligible to join.
Other ways
- Businesses and organizations that meet the eligibility criteria are eligible to join.
Membership information collected October 5, 2026.