What is the typical credit union auto loan rate in Tennessee?

The median new auto loan rate Tennessee credit unions reported on their Q2 2026 call reports was 5.50%, and the median used auto rate was 6.52%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Tennessee

Tennessee credit unions reported a median new auto loan rate of 5.50% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Koin Credit Union reported the lowest, 2.10%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Tennessee median	US median
New auto	5.50%	5.46%
Used auto	6.52%	6.32%
Credit card	11.75%	11.50%
Personal	11.88%	11.75%
Mortgage	5.75%	5.75%
Home equity	7.00%	6.75%

Lowest credit card rate reported in Tennessee: Memphis City Employees Credit Union, 7.90%. Lowest first mortgage rate: Koin Credit Union, 2.63%. (Same size rules as the national rankings.)

Every Tennessee credit union's reported rates

All 125 Tennessee credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
Eastman Credit Union	5.65%	5.25%	9.90%	9.95%	6.63%	6.75%
Knoxville TVA Employees Credit Union	5.24%	6.24%	9.99%	12.94%	5.87%	5.87%
Ornl Federal Credit Union	6.99%	7.99%	13.49%	10.99%	5.88%	7.00%
Ascend Federal Credit Union	5.74%	8.29%	9.50%	12.35%	6.50%	6.75%
Tennessee Valley Federal Credit Union	4.14%	5.89%	–	18.00%	6.62%	7.25%
Y-12 Federal Credit Union	6.74%	6.74%	14.99%	12.49%	6.13%	6.50%
Leaders Credit Union	7.94%	8.59%	17.15%	12.59%	6.43%	7.62%
Orion Federal Credit Union	6.75%	6.35%	17.99%	14.49%	6.00%	7.00%
Enrichment Federal Credit Union	5.25%	5.25%	13.25%	11.50%	5.25%	6.75%
Fortera Federal Credit Union	6.39%	7.49%	18.00%	16.49%	6.50%	8.50%
First South Financial Federal Credit Union	6.52%	7.89%	13.75%	18.00%	5.99%	6.75%
Resound Credit Union	6.49%	5.59%	11.90%	13.00%	5.75%	6.50%
Consumer Credit Union	7.29%	8.39%	11.75%	10.99%	5.38%	7.25%
Fedex Employees Credit Association Federal Credit Union	4.40%	4.99%	9.90%	9.99%	5.88%	–
U. T. Federal Credit Union	5.85%	7.10%	11.49%	6.99%	5.75%	6.75%
Memphis City Employees Credit Union	5.00%	5.00%	7.90%	9.75%	5.50%	7.50%
Southeast Financial Credit Union	7.50%	7.75%	10.99%	14.50%	6.75%	7.75%
Comtrust Federal Credit Union	4.69%	5.96%	9.37%	10.28%	3.94%	5.43%
Alcoa Tenn Federal Credit Union	5.05%	5.05%	8.75%	9.99%	6.00%	8.25%
Ten Credit Union	6.25%	6.45%	14.15%	12.84%	5.96%	7.20%
Heritage South Community CU	7.23%	9.13%	8.54%	12.52%	6.70%	7.17%
Old Hickory Credit Union	5.50%	6.80%	9.49%	11.75%	5.75%	6.75%
US Community Credit Union	5.99%	6.99%	9.95%	9.95%	5.75%	5.75%
Bowater Employees Credit Union	5.38%	7.78%	9.90%	13.63%	5.02%	4.89%
Knoxville Teachers Federal Credit Union	6.00%	6.50%	–	15.00%	5.96%	7.99%
United Southeast Federal Credit Union	5.60%	6.95%	9.99%	10.99%	5.50%	5.88%
Southern Security Federal Credit Union	5.99%	5.50%	13.25%	9.99%	6.25%	6.75%
Chattanooga Area Schools Federal Credit Union	4.50%	4.50%	–	10.25%	6.50%	7.50%
Northeast Community Credit Union	5.75%	7.97%	–	14.12%	6.11%	6.65%
Employee Resources Credit Union	7.00%	8.50%	12.99%	14.00%	7.00%	6.25%
Appalachian Community Federal Credit Union	6.55%	7.50%	11.80%	10.25%	7.00%	6.75%
Johnsonville TVA Employees Credit Union	5.80%	7.05%	8.99%	10.45%	7.00%	8.25%
Scenic Community Credit Union	4.20%	5.20%	12.00%	10.75%	6.00%	6.00%
Kimberly Clark Credit Union	3.99%	4.99%	8.99%	9.99%	5.50%	7.00%
Trust Federal Credit Union	5.99%	6.99%	–	12.49%	6.99%	6.99%
Upper Cumberland Federal Credit Union	6.38%	9.53%	–	12.18%	6.06%	7.32%
Clinchfield Federal Credit Union	5.05%	6.40%	11.26%	11.00%	6.00%	6.75%
F A A Federal Credit Union	4.69%	5.19%	12.25%	12.50%	7.00%	7.00%
City Employees Credit Union	6.00%	6.00%	9.50%	11.00%	5.75%	6.25%
L G & W Federal Credit Union	5.25%	5.25%	7.90%	16.00%	5.75%	6.75%
Holley Credit Union	5.25%	5.25%	12.00%	8.50%	–	–
Tennessee Members 1st Federal Credit Union	5.24%	7.24%	–	13.00%	4.61%	6.75%
Kingsport Press CU	5.25%	5.50%	8.90%	10.95%	6.75%	6.50%
Foothills Federal Credit Union	5.41%	6.33%	8.90%	9.32%	5.65%	7.75%
Family Advantage Federal Credit Union	5.74%	6.81%	9.90%	10.53%	5.74%	8.81%
Securcommunity Federal Credit Union	4.90%	5.75%	16.30%	13.35%	–	5.00%
Tnconnect Credit Union	5.25%	6.25%	10.90%	12.90%	5.50%	7.50%
New South Credit Union	5.51%	6.52%	13.90%	9.76%	5.52%	7.08%
Credit Union for Robertson County	4.90%	5.45%	10.00%	15.45%	6.60%	7.75%
Nashville Post Office Credit Union	6.50%	7.50%	13.00%	14.00%	6.25%	7.00%
Enbright Credit Union	5.54%	7.13%	11.19%	12.15%	4.41%	7.78%
Chattanooga Federal Employees Credit Union	4.50%	5.75%	15.00%	11.50%	6.50%	7.00%
Cleveland-Bradley Cty Teacher Federal Credit Union	5.77%	7.07%	13.90%	8.93%	4.75%	6.58%
Middle Tennessee Federal Credit Union	5.99%	6.99%	12.99%	12.99%	6.00%	6.50%
Copper Basin Federal Credit Union	6.22%	9.33%	9.52%	11.96%	6.54%	7.74%
Select Seven Federal Credit Union	4.00%	4.00%	9.90%	9.99%	4.00%	4.50%
Horizon Credit Union	4.50%	4.50%	7.90%	9.90%	6.25%	6.75%
Healthnet Federal Credit Union	5.40%	5.93%	14.37%	12.99%	3.75%	8.21%
Veritas Federal Credit Union	5.49%	6.49%	9.90%	11.00%	5.50%	7.75%
Jack Daniel Employees Credit Union	5.75%	6.00%	12.00%	12.00%	6.00%	7.00%
Greater Experience Credit Union	5.25%	5.75%	12.90%	9.99%	7.00%	7.25%
Fedtrust Federal Credit Union	4.25%	4.75%	11.00%	9.25%	4.99%	7.12%
Resource Federal Credit Union	9.50%	10.75%	9.65%	14.00%	6.50%	8.50%
Vanderbilt Credit Union	5.10%	5.62%	11.95%	13.12%	4.15%	7.40%
First Choice Community Credit Union	5.13%	6.52%	9.90%	11.05%	5.30%	5.73%
Methodist Healthcare Federal Credit Union	6.86%	10.52%	10.92%	8.32%	7.50%	10.03%
Ups Employees Credit Union	5.00%	8.00%	12.90%	15.00%	–	–
Lakeside Credit Union	7.00%	8.50%	12.00%	11.00%	6.50%	7.70%
Collegedale Credit Union	4.82%	6.46%	15.95%	10.63%	5.39%	7.62%
Epb Employees Credit Union	7.00%	9.00%	12.00%	11.00%	6.25%	7.25%
M.p.d. Community Credit Union	5.64%	7.69%	7.90%	8.63%	5.06%	9.22%
Nashville Firemen's Credit Union	7.99%	7.99%	9.90%	12.20%	–	–
Knoxville Law Enforcement Federal Credit Union	3.64%	6.22%	–	9.20%	3.86%	5.76%
St. Thomas Credit Union	6.23%	7.12%	9.72%	12.85%	5.21%	8.26%
Happy Valley Credit Union	5.13%	6.38%	13.50%	10.89%	5.64%	6.92%
Knoxville Firefighters Federal Credit Union	5.22%	6.61%	12.00%	11.73%	5.08%	7.29%
Outreach Federal Credit Union	5.25%	6.25%	8.90%	10.99%	5.75%	6.50%
Koin Credit Union	2.10%	5.84%	9.74%	12.50%	2.63%	7.00%
Knox County Teachers Federal Credit Union	4.50%	4.99%	12.90%	9.00%	4.50%	5.50%
Patriot Equity Credit Union	7.84%	10.94%	–	11.62%	3.86%	6.58%
Tennessee Military Federal Credit Union	4.79%	5.70%	11.99%	11.88%	4.68%	7.66%
Kemba Delta Federal Credit Union	6.40%	7.80%	13.90%	16.75%	–	–
Tennessee Employees Credit Union	5.94%	7.22%	7.99%	13.01%	3.30%	–
Beacon Financial Credit Union	5.26%	7.63%	–	13.78%	4.93%	6.91%
Hiwassee River Credit Union	4.43%	5.66%	10.99%	9.15%	3.64%	7.05%
Healthcare Services Credit Union	5.25%	6.25%	8.99%	12.75%	–	–
Chattanooga First Federal Credit Union	5.60%	8.25%	–	12.25%	5.00%	6.70%
Kennedy VA Employees Federal Credit Union	4.42%	5.49%	14.00%	14.55%	–	–
Maryville Municipal Credit Union	6.00%	6.00%	12.75%	9.90%	6.00%	6.00%
Appliance Credit Union	4.90%	5.90%	12.00%	12.25%	4.75%	–
Southern Credit Union	6.00%	7.00%	12.00%	9.00%	7.25%	–
The West Tennessee Credit Union	4.73%	5.50%	13.90%	14.40%	5.30%	–
Parthenon Federal Credit Union	6.25%	6.50%	13.49%	11.24%	5.00%	6.99%
Enlighten Federal Credit Union	5.50%	7.50%	10.90%	7.90%	–	–
Skyline Credit Union	5.47%	7.39%	–	11.25%	3.69%	–
Gateway Credit Union	6.45%	7.00%	8.90%	12.47%	5.16%	–
Tennessee River Federal Credit Union	4.69%	6.60%	–	10.73%	6.13%	–
Your Best Credit Union	4.96%	7.81%	14.00%	15.37%	–	–
Memphis Municipal Employees Federal Credit Union	4.12%	8.51%	9.99%	12.05%	–	–
Dixie Line Credit Union	7.23%	8.82%	9.90%	15.00%	–	–
Greeneville City Employees' Credit Union	5.67%	6.06%	–	9.53%	–	–
Sevier County Schools Federal Credit Union	4.99%	5.99%	–	7.95%	–	–
I B E W 175 Federal Credit Union	8.75%	7.50%	–	12.25%	–	–
Knox Co. Employees Credit Union	4.49%	5.49%	–	14.00%	–	–
Tennessee Department of Safety Credit Union	5.49%	5.49%	–	10.00%	–	–
CN/Ic Employees Credit Union	4.99%	3.00%	14.90%	13.95%	–	–
BCBST Employees Credit Union	5.31%	6.79%	–	14.64%	–	–
Gallatin Steam Plant Credit Union	5.75%	6.99%	11.90%	10.00%	–	–
Memorial Credit Union	6.20%	6.65%	12.00%	14.00%	–	–
Church of God Credit Union	7.99%	6.00%	–	7.99%	6.00%	6.00%
Delta Refining Co Emp Federal Credit Union	6.50%	8.00%	–	14.03%	–	–
Alcoa Municipal Employees Federal Credit Union	6.19%	6.14%	–	8.07%	–	–
Hurd Employees Credit Union	6.00%	7.00%	–	12.00%	–	–
P.i.a.s. Credit Union	4.99%	5.99%	–	11.99%	4.00%	–
B. M. H. Federal Credit Union	5.68%	8.54%	–	15.07%	–	–
Smart Choice Credit Union	3.40%	12.75%	–	12.75%	8.00%	–
TVA Mid-South Federal Credit Union	5.40%	6.10%	–	13.87%	–	–
Kellogg Memphis Employees Federal Credit Union	4.90%	5.90%	12.70%	14.00%	–	–
Metropolitan Teachers Credit Union	5.00%	6.00%	–	18.00%	–	–
Bulab Employees Federal Credit Union	5.75%	8.14%	–	15.93%	–	–
Greeneville Works Empls. Sav. Assn. Credit Union	6.31%	8.45%	–	10.85%	–	–
A.u.b. Employees' Credit Union	5.00%	8.00%	–	10.00%	–	–
Hardin County Hospital Employees Credit Union	4.89%	5.80%	–	8.37%	–	–
WCG Employees Credit Union	4.90%	5.90%	–	9.90%	–	–
Olivet Baptist Credit Union	6.50%	12.00%	–	9.00%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Tennessee credit unions · Lowest rates nationally