Credit union · NCUA insured
St. Thomas Credit Union Auto Loan Rates
Top CarrotSt. Thomas 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 St. Thomas Credit Union’s auto loan rates compare
Compared with banks and credit unions near Nashville, TN, where St. Thomas Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Thomas Credit Union
4.49%APR
- Terms
- —
- Up to
- —
Vehicle Loans
Lowest rate
Enbright Credit Union
3.75%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
St. Thomas 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 St. Thomas 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.
Motorcycle Loans
Rates are based on creditworthiness and term of loan. Requires $35 non-refundable loan application fee and credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.49% | Rate is 'as low as'. Rate based on creditworthiness and term of loan. Requires $35 non-refundable loan application fee and credit approval. |
Sources (2)
All captured Oct 15, 2026
Vehicle Loans
Rate is based on creditworthiness and term of loan. All loan application submissions require a $35 non-refundable loan application fee before processing or decision. Verification of pay required before closing. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Rate is 'as low as'. Rate based on creditworthiness and term of loan. Requires $35 non-refundable loan application fee and credit approval. |
Sources (2)
All captured Oct 15, 2026
Who can join St. Thomas Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.