--- title: "Enlighten Credit Union Rates - Tennessee" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Enlighten Credit Union in Tennessee. Updated daily with source verification. See who can join Enlighten Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/enlighten" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Enlighten Credit Union Rates - Tennessee ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 6.500% | 60 mo · used | Standard | Enlighten Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Secured by Share Account** personal_secured_60mo | — APR | 3.000% | 60 mo | Standard | | **Signature Loan** personal_unsecured | — APR | 9.900% | — | Standard | Enlighten Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **VISA Credit Card - upon credit approval** credit_card | — APR | 10.900% | — | Standard | Enlighten Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Christmas Club** savings | — APY | 0.20% | — | Specialty offer | | **Share Drafts (checking)** checking | — APY | 0.20% | — | Standard | | **IRA (Individual Retirement Account)** ira | — APY | 1.25% | — | Standard | | **New <5,000 miles (never titled)** cd_72mo | — APY | 5.50% | 72 mo | Standard | | **New <5,000 miles (never titled - over $30,000)** cd_84mo | — APY | 6.00% | 84 mo | Standard | Enlighten Credit Union savings & cd rates as of November 12, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New (up to 100% of list)** other | — % | 9.000% | — | Standard | | **New (Up to 100% of list)** other | — % | 9.000% | — | Standard | | **Used (up to 75% of average retail)** other | — % | 9.750% | — | Standard | | **Used (Up to 75% of average retail)** other | — % | 9.750% | — | Standard | Enlighten Credit Union other rates as of November 12, 2026 Enlighten Credit Union is a credit union in Tennessee. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/enlighten) , verified from [Enlighten Credit Union's official website](https://www.enlightenfcu.org/) Loading branch locator… ## About Enlighten Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.4K Assets $17.5M Founded 1971 Locations reported 1 NCUA charter 20662 Charter type Federal credit union ### Services and member support - Online membership application - Electronic statements - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Leaders Credit Union** South · Jackson · TN · 38301-7370 About 2.3 miles away](https://rateapi.dev/credit-unions/tennessee/leaders-credit-union) [**Resource** Resource Federal Credit Union · Jackson · TN · 38301-6030 About 2.8 miles away](https://rateapi.dev/credit-unions/tennessee/resource) [**First South Financial** Jackson · Jackson · TN · 38305 About 6.4 miles away](https://rateapi.dev/credit-unions/tennessee/first-south-financial) [**Patriot Equity** Patriot Equity Credit Union · Jackson · TN · 38305 About 6.9 miles away](https://rateapi.dev/credit-unions/tennessee/patriot-equity) [**Tennessee River** Patriot Equity Credit Union · Jackson · TN · 38305 About 6.9 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-river) [**Southeast Financial** Jackson · Jackson · TN · 38305-1870 About 7.5 miles away](https://rateapi.dev/credit-unions/tennessee/southeast-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Enlighten Credit Union Membership eligibility from Enlighten Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Enlighten Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Kellogg's Jackson, Tennessee, Kellogg's Verified from [Enlighten Credit Union's membership page](https://www.enlightenfcu.org/membership.htm) . Final membership determination is always made by the credit union. ## Membership rules for Enlighten Credit Union Employers 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Enlighten Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Kellogg's Jackson, Tennessee “You are eligible to join Enlighten Federal Credit Union if you are an employee of Kellogg's Jackson, Tennessee” > [source ↗](https://www.enlightenfcu.org/membership.htm) - Employee of Kellogg's Jackson, Tennessee - Employee of Kellogg's “You are eligible to join Enlighten Federal Credit Union if you are an employee of Kellogg's Jackson, Tennessee, or a family member.” > [source ↗](https://www.enlightenfcu.org/membership.htm) - Employee of Kellogg's ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “You are eligible to join Enlighten Federal Credit Union if you are an employee of Kellogg's Jackson, Tennessee, or a family member.” > [source ↗](https://www.enlightenfcu.org/membership.htm) - Family member of a member - Family of a member family “You are eligible to join Enlighten Federal Credit Union if you are an employee of Kellogg's Jackson, Tennessee, or a family member.” > [source ↗](https://www.enlightenfcu.org/membership.htm) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Enlighten Credit Union? Yes No ## Work at Enlighten Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Enlighten Credit Union ranks against Tennessee peers. - See which AI assistants fetched Enlighten Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=enlighten&state=tennessee&code=TN&name=Enlighten%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Enlighten Credit Union offer? Enlighten Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Enlighten Credit Union rates updated? RateAPI verifies Enlighten Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Enlighten Credit Union's rate data? Rate data is collected directly from Enlighten Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Enlighten Credit Union? Enlighten Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers for Enlighten Credit Union, each quoted from Enlighten Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Enlighten Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.enlightenfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Enlighten Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Enlighten Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /enlighten " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Enlighten Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/enlighten Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp