Credit union · NCUA insured
Tennessee Members 1st Federal Credit Union Auto Loan Rates
Tennessee Members 1st Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How Tennessee Members 1st Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where Tennessee Members 1st Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tennessee Members 1st Federal Credit Union
5.49%APR
- Terms
- up to 66 months
Automobiles
Lowest rate
Knoxville Law Enforcement Federal Credit Union
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
KNOX CO. EMPLOYEES
4.49%APR
- Terms
- —
Tennessee Members 1st Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tennessee Members 1st 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.
Automobiles
Federally insured by NCUA. APR = Annual Percentage Rate. Payment per $1,000 borrowed is for example purposes only. Payment examples are not available for variable rates. Programs, rates, terms, & conditions are subject to change without notice. Rates & credit limits may vary based on individual credit history. Some restrictions may apply, ask for details.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Model years (2020-2026). Payment example per $1,000-Maximum Term is $30.00. |
| up to 66 months | 5.49% | Model years (2020-2026). Payment example per $1,000-Maximum Term is $18.00. |
| up to 78 months | 5.49% | Model years (2020-2026). Payment example per $1,000-Maximum Term is $15.00. |
| up to 84 months | 5.74% | Model years (2020-2026). Min loan balance is $10,000. Payment example per $1,000-Maximum Term is $14.00. |
| up to 66 months | 7.24% | Model years (2014-2019). Payment example per $1,000-Maximum Term is $18.00. |
| up to 66 months | 8.24% | Model years (2013-Prior) (CPI Guide). Payment example per $1,000-Maximum Term is $19.00. |
Sources (1)
- mymembersfirst.org/auto · captured Oct 5, 2026
Who can join Tennessee Members 1st 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
- Everyone who lives, works, worships, or attends school in Anderson, Knox, and Roane counties is eligible for membership.
Cost to join
- Membership requires opening a savings account with a minimum initial deposit of $5.00.
Membership information collected October 5, 2026.