Credit union · NCUA insured
Trust Federal Credit Union Auto Loan Rates
Trust Federal Credit Union auto loans start at 5.19% APR for a new vehicle and 6.19% for a used one. Rates checked October 15, 2026.
How Trust Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Trust Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Trust Federal Credit Union
5.19%APR
- Terms
- up to 63 months
New Automobiles (up to 25,000 miles)
Lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
2nd-lowest rate
Coosa Valley Credit Union
3.99%APR
- Terms
- —
Trust Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.19%
- Used vehicleUsed6.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Trust 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 Automobiles (up to 25,000 miles)
Rates based on member creditworthiness, collateral, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.99% | Rate as low as 4.99% for 48 months. Vehicle up to 25,000 miles. |
| up to 63 months | 5.19% | Rate as low as 5.19% for 63 months. Vehicle up to 25,000 miles. |
| up to 75 months | 5.49% | Rate as low as 5.49% for 75 months. Vehicle up to 25,000 miles. |
| up to 84 months | 6.89% | Rate as low as 6.89% for 84 months. Vehicle up to 25,000 miles. |
Sources (1)
- trustfcu.com/rates · captured Oct 5, 2026
Used Automobiles (25,001 - 100,000 miles)
Rates based on member creditworthiness, collateral, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Rate as low as 5.99% for 48 months. Vehicle with 25,001 - 100,000 miles. |
| up to 63 months | 6.19% | Rate as low as 6.19% for 63 months. Vehicle with 25,001 - 100,000 miles. |
| up to 75 months | 6.69% | Rate as low as 6.69% for 75 months. Vehicle with 25,001 - 100,000 miles. |
| up to 84 months | 7.89% | Rate as low as 7.89% for 84 months. Vehicle with 25,001 - 100,000 miles. |
Sources (1)
- trustfcu.com/rates · captured Oct 5, 2026
Used Automobiles (Over 100,000 miles)
Rates based on member creditworthiness, collateral, and term of loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.49% | Rate as low as 7.49% for 48 months. Vehicle with over 100,000 miles. |
| up to 63 months | 7.69% | Rate as low as 7.69% for 63 months. Vehicle with over 100,000 miles. |
| up to 75 months | 8.19% | Rate as low as 8.19% for 75 months. Vehicle with over 100,000 miles. |
Sources (1)
- trustfcu.com/rates · captured Oct 5, 2026
Who can join Trust 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
- Anyone who lives, works, worships, or attends class in downtown Chattanooga is eligible to join.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible to join.
- Employees of Cigna are eligible to join.
- Employees of UNUM are eligible to join.
- Employees of WestRock are eligible to join.
Family and household
- Family of members are eligible to join.
Membership information collected October 5, 2026.