Credit union · NCUA insured
Upper Cumberland Federal Credit Union Auto Loan Rates
Upper Cumberland Federal Credit Union auto loans start at 6.25% APR for a new vehicle and 6.25% for a used one. Rates checked October 15, 2026.
How Upper Cumberland Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Crossville, TN, where Upper Cumberland Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Upper Cumberland Federal Credit Union
6.25%APR
- Terms
- up to 60 months
YR 2018 - 2026 Autos
Upper Cumberland Federal Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Upper Cumberland 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.
YR 2017 or Older Autos
Rates are subject to change daily and without notice. Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 10.90% | Credit Rating A+ (Credit Risk Score 730 and above) |
| up to 60 months | 11.90% | Credit Rating A (Credit Risk Score 680-729) |
| up to 60 months | 14.90% | Credit Rating B (Credit Risk Score 650-679) |
| up to 60 months | 16.90% | Credit Rating C (Credit Risk Score 600 - 649) |
YR 2018 - 2026 Autos
Rates as of August 31, 2026. Rates are subject to change daily and without notice. Loan rates subject to an 18.00% APR rate ceiling. Credit Risk Score determines rate (A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649). Rates listed are 'Rates As Low As (APR*)'.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Rates As Low As (APR*) for 0 - 60 months. Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649. Subject to 18.00% APR rate ceiling. |
| 61–72 months | 6.25% | Rates As Low As (APR*) for 61 - 72 months. Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649. Subject to 18.00% APR rate ceiling. |
| 73+ months | 6.25% | Rates As Low As (APR*) for 73 and higher months. Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649. Subject to 18.00% APR rate ceiling. |
Who can join Upper Cumberland 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
- Membership is open to anyone who physically lives, works, worships, or attends school in Bledsoe, Cumberland, Fentress, Putnam, or White County, Tennessee.
Family and household
- Family members may join as long as they physically live, work, worship, or attend school in Bledsoe, Cumberland, Fentress, Putnam, or White County.
Cost to join
- There is a $25.00 charge to become a member of Upper Cumberland FCU.
- There is a monthly membership fee of $5.00, which can be avoided by meeting specific account or activity conditions.
Membership information collected October 5, 2026.