Credit union · NCUA insured
Tennessee Valley Federal Credit Union Auto Loan Rates
Top CarrotTennessee Valley Federal Credit Union auto loans start at 4.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 15, 2026.
How Tennessee Valley Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Tennessee Valley Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tennessee Valley Federal Credit Union
4.39%APR
- Terms
- up to 63 months
- Up to
- 15.99% APR
New Cars & Trucks
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Tennessee Valley Federal Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tennessee Valley 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.
New Cars & Trucks
Available to eligible members within the 17-county service area or Audubon Society members. Proof of insurance required with $1,000 deductible standard. TVFCU listed as lienholder. For qualified borrowers, can finance up to 135% of MSRP or NADA Retail (includes tax, tag, warranty, and optional GAP Protection). Rate depends on credit strength, collateral value, and term selected.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 4.39%–15.99% | Within 3 most recent model years and less than 25,000 miles. Finance up to 135% of MSRP or NADA Retail. |
| 64–75 months | 4.89%–16.99% | Within 3 most recent model years and less than 25,000 miles. Finance up to 135% of MSRP or NADA Retail. |
| 76–84 months | 5.69%–11.29% | Within 3 most recent model years and less than 25,000 miles. Requires invoice or NADA retail value greater than $12,500.00. Finance up to 135% of MSRP or NADA Retail. |
Used Cars & Trucks
Available to eligible members within the 17-county service area or Audubon Society members. Proof of insurance required with $1,000 deductible standard. TVFCU listed as lienholder. Rate depends on credit strength, collateral value, and term selected.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.39%–16.99% | Mileage: 25,000 - 99,999 miles. For qualified borrowers, finance up to 135% of NADA Retail Value (includes tax, tag, warranty; GAP Protection may be added). |
| 64–75 months | 5.89%–17.99% | Mileage: 25,000 - 99,999 miles. For qualified borrowers, finance up to 135% of NADA Retail Value (includes tax, tag, warranty; GAP Protection may be added). |
| 76–84 months | 6.69%–12.29% | Mileage: 25,000 - 99,999 miles. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00. Finance up to 135% of NADA Retail Value. |
| up to 63 months | 6.39%–17.99% | Mileage: Greater than 100,000 miles but less than 175,000 miles. For qualified borrowers, finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP (down payment required at Credit Union discretion). |
| 64–75 months | 6.89%–18.00% | Mileage: Greater than 100,000 miles but less than 175,000 miles. 61-72 months requires NADA retail value greater than $12,500.00. Finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP (down payment required at Credit Union discretion). |
Who can join Tennessee Valley 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
- Businesses or organizations operating within TVFCU's 17-county region are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in TVFCU's 17-county community are eligible for membership.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible for membership.
Family and household
- Individuals who have a family member who is already a TVFCU member are eligible for membership.
- Individuals who share a household with a member, including domestic partners or live-in relatives, are eligible for membership.
- Individuals temporarily away from the household (such as a student or military service member) are eligible for membership.
Cost to join
- TVFCU does not charge a membership fee.
Membership information collected October 5, 2026.