Credit union · NCUA insured
Tobacco Valley Teachers Federal Credit Union Auto Loan Rates
Top CarrotTobacco Valley Teachers Federal Credit Union auto loans start at 4.60% APR for a new vehicle and 4.60% for a used one. Rates checked October 22, 2026.
How Tobacco Valley Teachers Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Hartford, CT, where Tobacco Valley Teachers Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Tobacco Valley Teachers Federal Credit Union
4.60%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicles & Motorcycles
Lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Riverbank Federal Credit Union
3.74%APR
- Terms
- —
- Discount
- None included
Tobacco Valley Teachers Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed4.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tobacco Valley Teachers 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.
Vehicles & Motorcycles
Maximum loan amount: $60,000.00. 7 years term is for new cars only. Add 1% to rate if loan-to-value is 95% - 104%. Our 90th Anniversary Auto Loan Special is valid October 1 - November 30, 2026. Rate may vary based on lending factors. TVTFCU does not refinance existing TVTFCU loans. Rate match available with a floor of 1.99% APR with proof of current car loan rate from another lender. Optional Credit Disability, Credit Life, and GAP insurance available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.10% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 94% financing. Add 1% to rate if loan-to-value is 95% - 104%. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| up to 36 months | 5.10% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 104% financing. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| up to 48 months | 4.35% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 94% financing. Add 1% to rate if loan-to-value is 95% - 104%. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| up to 48 months | 5.35% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 104% financing. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| up to 60 months | 4.60% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 94% financing. Add 1% to rate if loan-to-value is 95% - 104%. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| up to 60 months | 5.60% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 104% financing. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| 72–84 months | 4.85% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. 7 years is for new cars only. Up to 94% financing. Add 1% to rate if loan-to-value is 95% - 104%. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
| 72–84 months | 5.85% | 90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. 7 years is for new cars only. Up to 104% financing. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof. |
Sources (1)
- tvtfcu.org/loan-rates · captured Oct 4, 2026
Who can join Tobacco Valley Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Community Health Resources are eligible for membership.
Military, government and schools
- Employees, commissioners, and volunteers of the Enfield Fire Department are eligible for membership.
- All public and non-public school employees who work in the towns of Enfield, East Windsor, Windsor, Windsor Locks, Suffield and Somers, Connecticut are eligible for membership.
- Enfield High School students are eligible for membership.
Family and household
- Immediate family or household members of existing members are eligible for membership.
- Spouses of persons who passed away while within the field of membership of this credit union are eligible for membership.
1 more way to join
Other ways
- Persons retired as pensioners or annuitants from eligible employment are eligible for membership.
Cost to join
- A $25 deposit is required to open a Savings Account and join TVTFCU.
Membership information collected October 4, 2026.