Auto Loans · Bartlett, Tennessee
2 credit unions in Bartlett report car loan rates to the NCUA. Rates range from 6.44% to 6.64%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.44%
Lowest New Car Rate
6.54%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | KEMBA DELTA ★ 3.9 · 28 reviews | 6.44% | 8.07% |
| 2 | FIRST SOUTH FINANCIAL ★ 2.6 · 25 reviews | 6.64% | 7.39% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST SOUTH FINANCIAL ★ 2.6 · 25 reviews | 7.39% | 6.64% |
| 2 | KEMBA DELTA ★ 3.9 · 28 reviews | 8.07% | 6.44% |
A pre-approval from a Bartlett 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 Bartlett in the same window and take the best offer.
See member reviews, branch locations, and full rate details.