Credit union · NCUA insured
UT Federal Credit Union Auto Loan Rates
UT Federal Credit Union auto loans start at 5.85% APR for a new vehicle and 5.85% for a used one. Rates checked October 15, 2026.
How UT Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where UT Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UT Federal Credit Union
5.85%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Relationship Secure Loan
Lowest rate
Knoxville Law Enforcement Federal Credit Union
4.49%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
KNOX CO. EMPLOYEES
4.49%APR
- Terms
- —
- Discount
- None included
UT Federal Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew5.85%
- Used vehicleUsed5.85%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UT 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.
Relationship Secure Loan
APR includes a 0.25% relationship discount for members with checking account and debit card. Actual rates vary based on credit history, loan term, amount financed, collateral. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.85% | Term 48 months. |
| up to 60 months | 5.85% | Term 60 months. |
| up to 66 months | 5.85% | Term 66 months. |
| up to 78 months | 5.85% | Term 78 months. |
| up to 84 months | 5.85% | Term 84 months. |
| up to 96 months | 6.35% | Term 96 months. |
Secured Loan
Actual rates vary based on credit history, loan term, amount financed, collateral. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.10% | Term 48 months. |
| up to 60 months | 6.10% | Term 60 months. |
| up to 66 months | 6.10% | Term 66 months. |
| up to 78 months | 6.10% | Term 78 months. |
| up to 84 months | 6.10% | Term 84 months. |
| up to 96 months | 6.60% | Term 96 months. |
Who can join UT 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This may be incomplete or out of date, so check with the credit union before you apply.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 lives, works, worships, conducts business, or attends school in Anderson, Blount, Knox, Loudon, and Union counties in Tennessee.
Cost to join
- Membership requires an initial share deposit of $5.00 into a savings share account.
Membership information collected October 5, 2026.