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UT Federal Credit Union auto loan rates compared

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Tennessee · Headquarters Tennessee

Knoxville, TN-based credit union; membership required

Rate page on utfcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 6 rates

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New48 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 5.85% from UT Federal Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New60 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 5.85% from UT Federal Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New66 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 5.85% from UT Federal Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New78 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 5.85% from UT Federal Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New84 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 5.85% from UT Federal Credit UnionVisit lender ↗
As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

6.35%New96 months

TNChecked Nov 11, 2026

What the lender published

Relationship auto loan. Published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates depend on credit, amount, model year, and mileage.

Checked Nov 11, 2026Source utfcu.org

Calculate payment at 6.35% from UT Federal Credit UnionVisit lender ↗