Credit union · NCUA insured
Y-12 Federal Credit Union Auto Loan Rates
Y-12 Federal Credit Union auto loans start at 5.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 15, 2026.
How Y-12 Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Knoxville, TN, where Y-12 Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Y-12 Federal Credit Union
5.99%APR
- Terms
- —
Auto Loan 2020-2027
Lowest rate
Knoxville Law Enforcement Federal Credit Union
4.49%APR
- Terms
- up to 72 months
2nd-lowest rate
KNOX CO. EMPLOYEES
4.49%APR
- Terms
- —
Y-12 Federal Credit Union auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Y-12 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 2013-2019
Fixed rate. Rate pricing based on credit score, term, and age of collateral. Subject to credit approval. Available to new and existing members.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.99% | Fixed APR as low as 6.99%. Rates based on creditworthiness. |
Sources (4)
- y12fcu.org/consumer-loans/auto-loans
- y12fcu.org/current-rates
- y12fcu.org/borrowing-resources/rates
- y12fcu.org/rates/auto-rates
All captured Oct 7, 2026
Auto Loan 2020-2027
Fixed rate. Rate pricing based on credit score, term, and age of collateral. Subject to credit approval. Available to new and existing members.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.99% | Fixed APR as low as 5.99%. Rates based on creditworthiness. |
Sources (4)
- y12fcu.org/consumer-loans/auto-loans
- y12fcu.org/current-rates
- y12fcu.org/borrowing-resources/rates
- y12fcu.org/rates/auto-rates
All captured Oct 7, 2026
Who can join Y-12 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who do not qualify through another option can become eligible by joining the Y-12 FCU Gives Foundation, with the credit union making a one-time donation on their behalf.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in one of the credit union's eligible communities.
Employers and groups
- Eligibility is open to current or retired employees of partner businesses and organizations in the U.S.
Family and household
- Eligibility is open to immediate family members of an existing member, including a parent, sibling, child, spouse, grandparent, grandchild, step-parent, step-sibling, or step-child.
Cost to join
- There are no membership fees at Y-12 Credit Union.
Membership information collected October 5, 2026.