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All Credit Union locations will be closed Monday, October 12, in observance of Columbus Day/Indigenous Peoples' Day.

Rates

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Loan Rates

Rates

Table data for New autos 2021-2026
 Rates effective 10-05-2026
Term RATES AS LOW AS* (APR) Payment Example per $10,000 Maximum Term Alert Me
24 months 5.99% $424.52 Receive a notification when this rate changes
36 months 5.99% $295.32 Receive a notification when this rate changes
60 months 5.99% $189.70 Receive a notification when this rate changes
84 months 5.99% $144.01 Receive a notification when this rate changes
96 months 6.49% $132.12 Receive a notification when this rate changes
*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.
Table data for Used Auto Loan Rates 2017-2020
 Rates effective 10-05-2026
Term RATES AS LOW AS* (APR) Payment Example per $10,000 Maximum Term Alert Me
24 months 6.99% $428.69 Receive a notification when this rate changes
36 months 6.99% $299.63 Receive a notification when this rate changes
60 months 6.99% $194.23 Receive a notification when this rate changes
84 months 6.99% $148.72 Receive a notification when this rate changes
*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Includes Used Autos. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. For vehicles model year 2016 and older, please contact us for rate information.
Table data for New Recreational Loan Rates 2021-2026
 10-05-2026
Term RATES AS LOW AS* (APR) Payment Example per $10,000 Maximum Term Alert Me
24 months 6.99% $428.69 Receive a notification when this rate changes
36 months 6.99% $299.63 Receive a notification when this rate changes
60 months 6.99% $194.23 Receive a notification when this rate changes
84 months 6.99% $148.72 Receive a notification when this rate changes
96 months 7.49% $139.98 Receive a notification when this rate changes
*APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new recreational vehicles with terms 85 to 96 months of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.
Table data for Used Recreational Loan Rates 2017-2020
 10-05-2026
Term RATES AS LOW AS* (APR) Payment Example per $10,000 Maximum Term Alert Me
24 months 7.99% $432.88 Receive a notification when this rate changes
36 months 7.99% $303.97 Receive a notification when this rate changes
60 months 7.99% $198.81 Receive a notification when this rate changes
84 months 7.99% $153.52 Receive a notification when this rate changes
APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. For vehicles model year 2016 and older, please contact us for rate information.
Table data for Personal Loan Rates
 Rates effective 10-05-2026
TYPE TERM RATES AS LOW AS* (APR) Payment Example Alert Me
Signature Loan Fixed Rate 12 months 7.99% $80.06 Receive a notification when this rate changes
Signature Loan Fixed Rate 24 months 9.99% $44.13 Receive a notification when this rate changes
Signature Loan Fixed Rate 36 months 11.99% $32.17 Receive a notification when this rate changes
Signature Loan Variable Rate 60 months 13.27% $22.41 Receive a notification when this rate changes
Share Secured Variable Rate 12 months 2.15% $84.32 Receive a notification when this rate changes
Share Secured Variable Rate 24 months 2.15% $42.61 Receive a notification when this rate changes
Secured Loan Variable Rate 60 months 10.02% $208.30 Receive a notification when this rate changes
Credit Builder Loan Variable Rate 12 months 2.15% $84.32 Receive a notification when this rate changes
Credit Builder Loan Variable Rate 24 months 2.15% $42.61 Receive a notification when this rate changes
Credit Builder Loan Variable Rate 36 months 2.15% $28.71 Receive a notification when this rate changes
Signature Loan Fixed Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes.
Signature Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the CU on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.
Share Secured Loan: APR = Annual Percentage Rate. The APR may increase or decrease during the term of this loan based on the changes in an interest rate index. The index is the dividend rate or current earnings rate paid on the account on the date of the advance plus 2.00%, up to the maximum APR of 18.00% or the maximum rate allowed by the law. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.
Secured Loan Variable Rate: APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Rate may vary, based on creditworthiness, amount financed, loan terms, and collateral. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the Credit Union on the last day of the previous calendar quarter, plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $10,000.00 is for example purposes.
Credit Builder Loan: APR = Annual Percentage Rate. Credit scores are determined by multiple factors, and KTVAECU does not guarantee a credit score increase and is not accountable for a credit score decrease. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Members Special Account: 36 monthly payments at 2.15% APR is $28.71 monthly payment per $1,000.00 borrowed.

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Disclosures

1 *APR = Annual Percentage Rate. Promotional Period for Introductory APR: The introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to new and existing credit card accounts from 9/1/2026 until 2/28/2027. Any existing balances on Knoxville TVA Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR. The repayment period for purchases, balance transfers, and cash advances made during the introductory rate period will expire 2/29/2028. Any remaining balance as of 3/1/2028 will revert to the current applicable credit card rate. Rate subject to change without notice and based on creditworthiness. If interest is charged, the charge will be no less than $1.50. View full credit card disclosure at tvacreditunion.com/credit-card-disclosure.