Auto Loans · Oak Ridge, Tennessee
4 credit unions in Oak Ridge report car loan rates to the NCUA. Rates range from 5.24% to 6.99%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
5.24%
Lowest New Car Rate
6.24%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | TENNESSEE MEMBERS 1ST ★ 3.8 · 22 reviews | 5.24% | 7.24% |
| 2 | ENRICHMENT ★ 4.9 · 379 reviews | 5.99% | 5.99% |
| 3 | Y-12 ★ 4.8 · 3,570 reviews | 6.74% | 6.74% |
| 4 | ORNL ★ 2.9 · 107 reviews | 6.99% | 7.99% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ENRICHMENT ★ 4.9 · 379 reviews | 5.99% | 5.99% |
| 2 | Y-12 ★ 4.8 · 3,570 reviews | 6.74% | 6.74% |
| 3 | TENNESSEE MEMBERS 1ST ★ 3.8 · 22 reviews | 7.24% | 5.24% |
| 4 | ORNL ★ 2.9 · 107 reviews | 7.99% | 6.99% |
A pre-approval from a Oak Ridge 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 Oak Ridge in the same window and take the best offer.
See member reviews, branch locations, and full rate details.