Credit union · NCUA insured
Telcoe Federal Credit Union Auto Loan Rates
Top CarrotTelcoe Federal Credit Union auto loans start at 3.74% APR for a new vehicle and 4.24% for a used one. Rates checked October 22, 2026.
How Telcoe Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where Telcoe Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
New Auto
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
TruService Community FCU
3.99%APR
- Terms
- 24–75 months
- Up to
- 18.00% APR
- Discount
- None included
Telcoe Federal Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.74%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Telcoe 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.
Auto Loan Refinance
Financing for cars and motorcycles 2020 or newer, 100,000 miles or less. Terms from 24 to 72 months. $15 application fee plus $15.10 title transfer fee. No prepayment penalty. Option to defer first payment up to 90 days. Skip-a-Payment option in December. Fast approval in 24-72 hours.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 3.74% | As low as 3.74% on 36 month term. Rates based on term selected and year made. Collateral: 2020 or newer, 100,000 miles or less. Terms from 24 to 72 months. |
Sources (3)
- telcoe.com/loans/vehicle-loans.html
- telcoe.com/rates/index.html
- telcoe.com/about-us/vehicle-refinance.html
All captured Oct 4, 2026
Debt Consolidation Auto Loan
Debt consolidation loan option secured by auto collateral. Amount determined by collateral value (car 2020 model or newer with fewer than 80,000 miles). Turnaround time up to 24 hours. Fixed interest rate. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | As low as 4.99% APR. Amount determined by collateral value. Turnaround time up to 24 hours. Terms up to 60 months. |
Sources (1)
- telcoe.com/loans/personal-loan…consolidation-loans.html · captured Oct 4, 2026
New Auto
For 2025 or newer vehicles with 10,000 miles or less. Membership required. $15 application fee. Turnaround time in as little as 1 hour.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.74% | As low as 3.74% on 36 month term. Up to 84 month terms available; rates based on term selected. Collateral: 2025 or newer, 10,000 miles or less. |
Used Auto
For 2019 or newer vehicles with 100,000 miles or less. Membership required. $15 application fee. Turnaround time in as little as 1 hour.
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 4.24% | As low as 4.24% on 36 month term. Terms from 24 to 60 months; rates based on term selected. Collateral: 2019 or newer, 100,000 miles or less. |
Who can join Telcoe Federal 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, attend school, or worship in the state of Arkansas, with an Arkansas driver's license or state-issued ID.
- Membership is open to individuals who live, work, worship, or attend school in Pulaski or Pope county in designated underserved census tracts defined by the NCUA.
Employers and groups
- Employees of participating Select Employee Groups are eligible for membership.
Family and household
- Immediate family members of, or individuals residing with, a Telcoe member are eligible for membership.
Other ways
- Individuals who hold membership with a partner organization (Pulaski County Humane Society, Arkansas Learning Alliance, or Child Protection Center) via a $5 to $25 donation at account opening are eligible to join.
Cost to join
- A donation of $5 to $25 to a community partner organization at the time of account opening.
- Must open a Prime Savings account to establish membership.
Membership information collected October 4, 2026.