Auto Loans · Johnson City, Tennessee
3 credit unions in Johnson City report car loan rates to the NCUA. Rates range from 4.00% to 5.29%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.00%
Lowest New Car Rate
4.85%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SELECT SEVEN ★ 3.3 · 32 reviews | 4.00% | 4.00% |
| 2 | GREATER EXPERIENCE ★ 3.8 · 16 reviews | 5.25% | 5.75% |
| 3 | BEACON FINANCIAL ★ 5.0 · 5 reviews | 5.29% | 7.56% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SELECT SEVEN ★ 3.3 · 32 reviews | 4.00% | 4.00% |
| 2 | GREATER EXPERIENCE ★ 3.8 · 16 reviews | 5.75% | 5.25% |
| 3 | BEACON FINANCIAL ★ 5.0 · 5 reviews | 7.56% | 5.29% |
A pre-approval from a Johnson City credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Johnson City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.