Chattanooga First

chattanooga, Tennessee
Last verified: July 11, 2026

As of July 11, 2026, Chattanooga First offers a cd_6mo mortgage at 2.5% APR (2.5% rate, 0 points). Auto loans available from 6.99% APR. Personal loan rates from 2% APR.

Source: RateAPI.dev, verified from Chattanooga First's official website

Who Can Join Chattanooga First

Membership eligibility from Chattanooga First's own published criteria. How we verify this.

Community charter: live/work in Hamilton County

Cost to join: About $25.

Verified from Chattanooga First's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

cd_6mo
2.500% APR
Rate2.500%
Points0
6 Month Certificate
ira
2.750% APR
Rate2.750%
Points0
30 Month IRA
cd_36mo
2.750% APR
Rate2.750%
Points0
36 Month Certificate
ira
2.750% APR
Rate2.750%
Points0
36 Month IRA
cd_48mo
2.750% APR
Rate2.750%
Points0
48 Month Certificate
cd_60mo
2.750% APR
Rate2.750%
Points0
60 Month Certificate
ira
2.750% APR
Rate2.750%
Points0
60 Month IRA
cd_12mo
3.000% APR
Rate3.000%
Points0
12 Month Certificate
ira
3.000% APR
Rate3.000%
Points0
12 Month IRA
cd_18mo
3.000% APR
Rate3.000%
Points0
18 Month Certificate
cd_24mo
3.000% APR
Rate3.000%
Points0
24 Month Certificate

Auto Loan Rates

Rates as of July 11, 2026

auto_new_24mo
6.990% APR
Rate6.990%
New Car Financing - 24 Months
auto_new_36mo
6.990% APR
Rate6.990%
New Car Financing - 36 Months
auto_new_48mo
6.990% APR
Rate6.990%
New Car Financing - 48 Months
auto_new_60mo
7.490% APR
Rate7.490%
New Car Financing - 60 Months
auto_new_72mo
7.490% APR
Rate7.490%
New Car Financing - 72 Months
auto_used_24mo
7.990% APR
Rate7.990%
Used Car Financing - 24 Months
auto_used_36mo
7.990% APR
Rate7.990%
Used Car Financing - 36 Months
auto_used_48mo
8.290% APR
Rate8.290%
Used Car Financing - 48 Months
auto_used_60mo
8.490% APR
Rate8.490%
Used Car Financing - 60 Months
auto_any_24mo
8.750% APR
Rate8.750%
Motorcycle Loans - 24 Months
auto_any_36mo
8.750% APR
Rate8.750%
Motorcycle Loans - 36 Months
auto_any_48mo
9.250% APR
Rate9.250%
Motorcycle Loans - 48 Months
auto_any_60mo
9.250% APR
Rate9.250%
Motorcycle Loans - 60 Months
auto_used_72mo
9.490% APR
Rate9.490%
Used Car Financing - 72 Months
auto_any_72mo
9.750% APR
Rate9.750%
Motorcycle Loans - 72 Months-over
auto_any_24mo
9.990% APR
Rate9.990%
Boats, Motors & Trailer Loans - 24 Months
auto_any_36mo
9.990% APR
Rate9.990%
Boats, Motors & Trailer Loans - 36 Months
auto_any_48mo
9.990% APR
Rate9.990%
Boats, Motors & Trailer Loans - 48 Months
auto_any_60mo
9.990% APR
Rate9.990%
Boats, Motors & Trailer Loans - 60 Months
auto_any_24mo
10.790% APR
Rate10.790%
Classic Automobile - 24 Months
auto_any_72mo
10.990% APR
Rate10.990%
Boats, Motors & Trailer Loans - 72 Months
auto_any_75mo
10.990% APR
Rate10.990%
Boats, Motors & Trailer Loans - 75 Months
auto_any_36mo
11.290% APR
Rate11.290%
Classic Automobile - 36 Months
auto_any_48mo
11.790% APR
Rate11.790%
Classic Automobile - 48 Months
auto_any_84mo
11.990% APR
Rate11.990%
Boats, Motors & Trailer Loans - 76-84 Months
auto_any_24mo
11.990% APR
Rate11.990%
Tractor/Farm Equipment Loans - 12-24 Months
auto_any_60mo
12.290% APR
Rate12.290%
Classic Automobile - 60 Months
auto_any_72mo
12.790% APR
Rate12.790%
Classic Automobile - 72 Months
auto_any_75mo
12.790% APR
Rate12.790%
Classic Automobile - 75 Months
auto_any_60mo
12.990% APR
Rate12.990%
Tractor/Farm Equipment Loans - 25-60 Months
auto_any_84mo
13.290% APR
Rate13.290%
Classic Automobile - 76-84 Months

Personal Loan Rates

Rates as of July 11, 2026

personal_unsecured_12mo
2.000% APR
Rate2.000%
Shared Secure Loans - 12 Months
personal_unsecured_36mo
11.990% APR
Rate11.990%
Signature Goods Loan - 12-36 Months
personal_unsecured_36mo
12.990% APR
Rate12.990%
Signature Goods Loan - Over 36 Months

Frequently Asked Questions

What rates does Chattanooga First offer?

Chattanooga First currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Chattanooga First rates updated?

RateAPI verifies Chattanooga First's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Chattanooga First's rate data?

Rate data is collected directly from Chattanooga First's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Chattanooga First's mortgage rate?

As of July 11, 2026, Chattanooga First offers a cd_6mo mortgage at 2.5% APR.

What is Chattanooga First's auto loan rate?

As of July 11, 2026, Chattanooga First offers auto loans from 6.99% APR.

Related Rate Data

Compare Chattanooga First's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Chattanooga First
curl "https://api.rateapi.dev/credit-unions/tennessee/chattanooga-first" \
  -H "Authorization: Bearer YOUR_API_KEY"