Credit union · NCUA insured
Telco Community Credit Union Auto Loan Rates
Top CarrotTelco Community Credit Union auto loans start at 3.99% APR for a new vehicle and 4.09% for a used one. Rates checked October 22, 2026.
How Telco Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Asheville, NC, where Telco Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Telco Community Credit Union
3.99%APR
- Terms
- 36–84 months
- Up to
- —
New Auto Loans
2nd-lowest rate
State Employees' Credit Union
4.25%APR
- Terms
- up to 60 months
- Up to
- 7.50% APR
3rd-lowest rate
Mountain Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 15.99% APR
Telco Community Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Telco 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.
Motorcycle Loans
Rates and terms dependent upon credit score and qualifications.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 6.49% | New Motorcycles. Rates as low as 6.49% APR. Terms from 36 to 84 months. Rates subject to change. |
| 36–72 months | 6.99% | Used Motorcycles. Rates as low as 6.99% APR. Terms from 36 to 72 months. Rates subject to change. |
Sources (2)
All captured Oct 4, 2026
New Auto Loans
New autos are defined as having less than 10,000 miles. Rates and terms are dependent upon credit score and other credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.99% | Rates as low as 3.99% APR. Terms from 36 to 84 months. Limited time offer of no payments for 90 days available (interest still applies). Rates subject to change and dependent upon credit score and qualifications. |
Sources (4)
- telcoccu.org/loan-products/auto-loans
- telcoccu.org/loan-products/aut…/new-and-used-auto-loans
- telcoccu.org/rates/loan-rates
- telcoccu.org
All captured Oct 4, 2026
Used Auto Loans
Rates and terms are dependent upon credit score and other credit qualifications.
| Terms | APR | Conditions |
|---|---|---|
| 36–72 months | 4.09% | Rates as low as 4.09% APR. Terms from 36 to 72 months. Limited time offer of no payments for 90 days available (interest still applies). Rates subject to change and dependent upon credit score and qualifications. |
Sources (4)
- telcoccu.org/loan-products/auto-loans
- telcoccu.org/loan-products/aut…/new-and-used-auto-loans
- telcoccu.org/rates/loan-rates
- telcoccu.org
All captured Oct 4, 2026
Who can join Telco 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
- Membership is open to individuals who live, work, worship, or attend school in Alexander, Avery, Buncombe, Burke, Caldwell, Catawba, Cleveland, Haywood, Henderson, Iredell, Jackson, Lincoln, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, or Yancey County, North Carolina.
Employers and groups
- Membership is open to employees of participating Select Employee Groups (SEGs).
Family and household
- All relatives of current members can become members regardless of residency.
Cost to join
- Opening an account requires a minimum $5.00 deposit into a Savings Account.
Membership information collected October 4, 2026.