Auto Loans · Chattanooga, Tennessee
13 credit unions in Chattanooga report car loan rates to the NCUA. Rates range from 3.65% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
3.65%
Lowest New Car Rate
5.24%
City Average Rate
13 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TENNESSEE VALLEY ★ 3.3 · 49 reviews | 3.65% | 4.65% |
| 2 | CHATTANOOGA AREA SCHOOLS ★ 4.7 · 25 reviews | 4.50% | 4.50% |
| 3 | CHATTANOOGA FEDERAL EMPLOYEES ★ 4.7 · 35 reviews | 4.50% | 5.75% |
| 4 | COMTRUST ★ 3.1 · 20 reviews | 4.75% | 5.62% |
| 5 | I B E W 175 ★ 4.5 · 4 reviews | 5.25% | 5.50% |
| 6 | HEALTHCARE SERVICES ★ 4.2 · 12 reviews | 5.25% | 6.25% |
| 7 | BCBST EMPLOYEES ★ 5.0 · 1 reviews | 5.34% | 7.38% |
| 8 | CHATTANOOGA FIRST ★ 4.2 · 19 reviews | 5.50% | 8.50% |
| 9 | BASF CHATTANOOGA ★ 5.0 · 1 reviews | 5.63% | 7.03% |
| 10 | MEMORIAL ★ 5.0 · 8 reviews | 5.72% | 6.63% |
| 11 | TRUST ★ 4.1 · 25 reviews | 5.99% | 6.99% |
| 12 | SOUTHERN ★ 5.0 · 6 reviews | 6.00% | 7.00% |
| 13 | EPB EMPLOYEES ★ 4.7 · 12 reviews | 6.00% | 7.00% |
13 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CHATTANOOGA AREA SCHOOLS ★ 4.7 · 25 reviews | 4.50% | 4.50% |
| 2 | TENNESSEE VALLEY ★ 3.3 · 49 reviews | 4.65% | 3.65% |
| 3 | I B E W 175 ★ 4.5 · 4 reviews | 5.50% | 5.25% |
| 4 | COMTRUST ★ 3.1 · 20 reviews | 5.62% | 4.75% |
| 5 | CHATTANOOGA FEDERAL EMPLOYEES ★ 4.7 · 35 reviews | 5.75% | 4.50% |
| 6 | HEALTHCARE SERVICES ★ 4.2 · 12 reviews | 6.25% | 5.25% |
| 7 | MEMORIAL ★ 5.0 · 8 reviews | 6.63% | 5.72% |
| 8 | TRUST ★ 4.1 · 25 reviews | 6.99% | 5.99% |
| 9 | SOUTHERN ★ 5.0 · 6 reviews | 7.00% | 6.00% |
| 10 | EPB EMPLOYEES ★ 4.7 · 12 reviews | 7.00% | 6.00% |
| 11 | BASF CHATTANOOGA ★ 5.0 · 1 reviews | 7.03% | 5.63% |
| 12 | BCBST EMPLOYEES ★ 5.0 · 1 reviews | 7.38% | 5.34% |
| 13 | CHATTANOOGA FIRST ★ 4.2 · 19 reviews | 8.50% | 5.50% |
A pre-approval from a Chattanooga 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 Chattanooga in the same window and take the best offer.
See member reviews, branch locations, and full rate details.