Credit union · NCUA insured
United Southeast Federal Credit Union Auto Loan Rates
Top CarrotUnited Southeast Federal Credit Union auto loans start at 3.75% APR for a new vehicle. Rates checked October 15, 2026.
How United Southeast Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where United Southeast Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Southeast Federal Credit Union
3.75%APR
- Terms
- 36–84 months
- Up to
- —
Auto Loan
2nd-lowest rate
Eastman Credit Union
4.74%APR
- Terms
- 36–120 months
- Up to
- 12.24% APR
3rd-lowest rate
Horizon Credit Union
5.00%APR
- Terms
- 37–60 months
- Up to
- 17.00% APR
United Southeast Federal Credit Union auto loan score
87
Auto loan score
Higher than 78% of U.S. banks and credit unions
- New vehicleNew3.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Southeast 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
Membership is established by maintaining $5 in a share/savings account with USFCU. Rates are subject to change without notice and loans are subject to approval. Other rates and terms available.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.75% | New Auto ('26 or Newer). Up to 120% amount. Payment per $1,000 is $16.58- $29.40. |
Sources (1)
- usfcu.org/loans/rates · captured Oct 15, 2026
Auto Refinance
Valid on newly purchased vehicles or auto loans refinanced from another financial institution. Valid on models 2017-2026. Minimum loan amount of $5,000. USFCU membership is required. No payment for up to 90 days (interest begins to accrue immediately upon loan disbursal).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Payment per $1,000 is $29.40 based on 36 months at 3.75% APR for a 2017 model or newer. Refinance with rates as low as 3.75% APR. |
Sources (1)
- usfcu.org/loans/auto-refinance · captured Oct 15, 2026
Who can join United Southeast Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.