The TN Members 1st FCU is a auto loan from TN Members 1st FCU. The ongoing APR is (2020-2026) Up to 36 Months 5.24%; Up to 66 Months 5.49%; Up to 78 Months 5.49%; Up to 84 Months 5.74% (min loan balance $10,000); (2014-2019) Up to 66 Months 7.24%; (2013-Prior) Up to 66 Months 8.24% (APR as low as; effective Saturday, October 17th, 2026). Loan terms: Up to 36, 66, 78 or 84 months depending on model year (see rate table).