Auto Loans · Elizabethton, Tennessee
2 credit unions in Elizabethton report car loan rates to the NCUA. Rates range from 4.96% to 5.78%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.96%
Lowest New Car Rate
5.37%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | HAPPY VALLEY ★ 3.6 · 34 reviews | 4.96% | 6.29% |
| 2 | NORTHEAST COMMUNITY ★ 4.3 · 141 reviews | 5.78% | 7.75% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HAPPY VALLEY ★ 3.6 · 34 reviews | 6.29% | 4.96% |
| 2 | NORTHEAST COMMUNITY ★ 4.3 · 141 reviews | 7.75% | 5.78% |
A pre-approval from a Elizabethton 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 Elizabethton in the same window and take the best offer.
See member reviews, branch locations, and full rate details.