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Auto Loans · Knoxville, Tennessee

Best Credit Union Car Loan Rates in Knoxville, Tennessee

11 credit unions in Knoxville report car loan rates to the NCUA. Rates range from 3.62% to 6.14%.

Updated Q1 2026 · NCUA Call Report data

11

CUs Reporting Rates

3.62%

Lowest New Car Rate

5.26%

City Average Rate

New Vehicle Loan Rates — Knoxville, Tennessee

11 credit unions sorted by APR

#Credit UnionNew Car APRUsed Car APR
1KNOXVILLE LAW ENFORCEMENT

★ 4.7 · 12 reviews

3.62%6.15%
2KNOX COUNTY TEACHERS

★ 4.8 · 9 reviews

4.50%4.99%
3KNOX CO. EMPLOYEES

★ 3.6 · 5 reviews

4.99%5.74%
4FIRST CHOICE COMMUNITY

★ 3.5 · 11 reviews

5.02%6.53%
5KNOXVILLE FIREFIGHTERS

★ 5.0 · 6 reviews

5.14%6.30%
6TNCONNECT

★ 3.6 · 21 reviews

5.25%6.25%
7NEW SOUTH CREDIT UNION

★ 4.4 · 7 reviews

5.49%6.48%
8KNOXVILLE TVA EMPLOYEES

★ 3.9 · 197 reviews

5.75%6.75%
9KNOXVILLE TEACHERS

★ 4.5 · 20 reviews

6.00%6.50%
10CITY EMPLOYEES

★ 3.7 · 29 reviews

6.00%6.00%
11U. T.

★ 4.5 · 41 reviews

6.14%7.39%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Knoxville, Tennessee

11 credit unions sorted by APR

#Credit UnionUsed Car APRNew Car APR
1KNOX COUNTY TEACHERS

★ 4.8 · 9 reviews

4.99%4.50%
2KNOX CO. EMPLOYEES

★ 3.6 · 5 reviews

5.74%4.99%
3CITY EMPLOYEES

★ 3.7 · 29 reviews

6.00%6.00%
4KNOXVILLE LAW ENFORCEMENT

★ 4.7 · 12 reviews

6.15%3.62%
5TNCONNECT

★ 3.6 · 21 reviews

6.25%5.25%
6KNOXVILLE FIREFIGHTERS

★ 5.0 · 6 reviews

6.30%5.14%
7NEW SOUTH CREDIT UNION

★ 4.4 · 7 reviews

6.48%5.49%
8KNOXVILLE TEACHERS

★ 4.5 · 20 reviews

6.50%6.00%
9FIRST CHOICE COMMUNITY

★ 3.5 · 11 reviews

6.53%5.02%
10KNOXVILLE TVA EMPLOYEES

★ 3.9 · 197 reviews

6.75%5.75%
11U. T.

★ 4.5 · 41 reviews

7.39%6.14%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Knoxville credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Knoxville in the same window and take the best offer.

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