Auto Loans · Utah
50 credit unions in Utah report car loan rates to the NCUA. Rates range from 3.98% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
50
CUs Reporting Rates
3.98%
Lowest New Car Rate
5.46%
State Average Rate
36
Cities Covered
50 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OREM CITY EMPLOYEES OREM | 3.98% | 5.80% |
| 2 | VAREX Salt Lake City | 4.28% | 6.25% |
| 3 | VALLEY WIDE Vernal | 4.35% | 6.00% |
| 4 | P & S Salt Lake City | 4.46% | 6.57% |
| 5 | HORIZON UTAH Farmington | 4.56% | 4.56% |
| 6 | LOGAN MEDICAL LOGAN | 4.89% | 4.89% |
| 7 | UINTAH VERNAL | 4.90% | 4.90% |
| 8 | AMERICA FIRST RIVERDALE | 4.99% | 4.99% |
| 9 | GOLDENWEST Ogden | 4.99% | 4.99% |
| 10 | MILLARD COUNTY FILLMORE | 4.99% | 4.99% |
| 11 | HI-LAND SALT LAKE CITY | 4.99% | 4.99% |
| 12 | UTAH POWER Murray | 4.99% | 5.99% |
| 13 | WASATCH PEAKS OGDEN | 4.99% | 4.99% |
| 14 | FIREFIGHTERS Draper | 4.99% | 4.99% |
| 15 | UTAH FIRST Salt Lake City | 4.99% | 4.99% |
| 16 | ELEVATE Brigham City | 4.99% | 4.99% |
| 17 | SOUTH SANPETE Manti | 5.00% | 5.25% |
| 18 | GIBBONS AND REED EMPLOYEES SALT LAKE CITY | 5.03% | 6.04% |
| 19 | CANYON VIEW Salt Lake City | 5.14% | 5.74% |
| 20 | ALPINE Orem | 5.24% | 5.24% |
| 21 | GRANITE Salt Lake City | 5.24% | 6.99% |
| 22 | DEVILS SLIDE Morgan | 5.40% | 5.40% |
| 23 | NEPHI WESTERN EMPLOYEES Nephi | 5.45% | 5.45% |
| 24 | EDUCATION 1ST Ogden | 5.46% | 6.35% |
| 25 | ASCENT OGDEN | 5.49% | 5.49% |
| 26 | CYPRUS West Jordan | 5.49% | 6.24% |
| 27 | MOUNTAIN AMERICA SANDY | 5.49% | 5.49% |
| 28 | NEW HEIGHTS Logan | 5.49% | 5.49% |
| 29 | UTAH COMMUNITY Provo | 5.49% | 5.49% |
| 30 | DESERTVIEW Huntington | 5.50% | 6.50% |
| 31 | SAN JUAN BLANDING | 5.56% | 9.69% |
| 32 | LU 354 I B E W SALT LAKE CITY | 5.64% | 5.64% |
| 33 | DESERET FIRST West Valley Cit | 5.64% | 5.64% |
| 34 | JORDAN South Jordan | 5.68% | 6.66% |
| 35 | RIDGELINE SALT LAKE CITY | 5.74% | 6.52% |
| 36 | AMERICAN UNITED West Jordan | 5.74% | 5.74% |
| 37 | S E A Richfield | 5.75% | 6.75% |
| 38 | NATIONAL J. A. C. L. Salt Lake City | 5.75% | 7.57% |
| 39 | HERCULES FIRST SALT LAKE CITY | 5.78% | 8.01% |
| 40 | FLEXPAK Woods Cross | 5.90% | 6.48% |
| 41 | MEMBERS FIRST Brigham City | 5.92% | 6.33% |
| 42 | C U P Provo | 5.94% | 5.98% |
| 43 | EASTERN UTAH COMMUNITY Price | 5.99% | 5.99% |
| 44 | HOLLYFRONTIER EMPLOYEE'S Bountiful | 6.02% | 6.85% |
| 45 | PACIFIC HORIZON Springville | 6.11% | 6.68% |
| 46 | FREEDOM Provo | 6.21% | 7.01% |
| 47 | UTAH HERITAGE Moroni | 6.37% | 6.85% |
| 48 | KINGS PEAK Roosevelt | 6.99% | 6.99% |
| 49 | NORTH SANPETE Fairview | 7.25% | 6.00% |
| 50 | DESERT RIVERS Moab | 8.00% | 9.00% |
51 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HORIZON UTAH Farmington | 4.56% | 4.56% |
| 2 | LOGAN MEDICAL LOGAN | 4.89% | 4.89% |
| 3 | UINTAH VERNAL | 4.90% | 4.90% |
| 4 | AMERICA FIRST RIVERDALE | 4.99% | 4.99% |
| 5 | GOLDENWEST Ogden | 4.99% | 4.99% |
| 6 | MILLARD COUNTY FILLMORE | 4.99% | 4.99% |
| 7 | HI-LAND SALT LAKE CITY | 4.99% | 4.99% |
| 8 | WASATCH PEAKS OGDEN | 4.99% | 4.99% |
| 9 | FIREFIGHTERS Draper | 4.99% | 4.99% |
| 10 | UTAH FIRST Salt Lake City | 4.99% | 4.99% |
| 11 | ELEVATE Brigham City | 4.99% | 4.99% |
| 12 | ALPINE Orem | 5.24% | 5.24% |
| 13 | SOUTH SANPETE Manti | 5.25% | 5.00% |
| 14 | DEVILS SLIDE Morgan | 5.40% | 5.40% |
| 15 | NEPHI WESTERN EMPLOYEES Nephi | 5.45% | 5.45% |
| 16 | ASCENT OGDEN | 5.49% | 5.49% |
| 17 | MOUNTAIN AMERICA SANDY | 5.49% | 5.49% |
| 18 | NEW HEIGHTS Logan | 5.49% | 5.49% |
| 19 | UTAH COMMUNITY Provo | 5.49% | 5.49% |
| 20 | LU 354 I B E W SALT LAKE CITY | 5.64% | 5.64% |
| 21 | DESERET FIRST West Valley Cit | 5.64% | 5.64% |
| 22 | CANYON VIEW Salt Lake City | 5.74% | 5.14% |
| 23 | AMERICAN UNITED West Jordan | 5.74% | 5.74% |
| 24 | OREM CITY EMPLOYEES OREM | 5.80% | 3.98% |
| 25 | C U P Provo | 5.98% | 5.94% |
| 26 | UTAH POWER Murray | 5.99% | 4.99% |
| 27 | EASTERN UTAH COMMUNITY Price | 5.99% | 5.99% |
| 28 | VALLEY WIDE Vernal | 6.00% | 4.35% |
| 29 | NORTH SANPETE Fairview | 6.00% | 7.25% |
| 30 | GIBBONS AND REED EMPLOYEES SALT LAKE CITY | 6.04% | 5.03% |
| 31 | CYPRUS West Jordan | 6.24% | 5.49% |
| 32 | VAREX Salt Lake City | 6.25% | 4.28% |
| 33 | MEMBERS FIRST Brigham City | 6.33% | 5.92% |
| 34 | EDUCATION 1ST Ogden | 6.35% | 5.46% |
| 35 | FLEXPAK Woods Cross | 6.48% | 5.90% |
| 36 | DESERTVIEW Huntington | 6.50% | 5.50% |
| 37 | RIDGELINE SALT LAKE CITY | 6.52% | 5.74% |
| 38 | P & S Salt Lake City | 6.57% | 4.46% |
| 39 | JORDAN South Jordan | 6.66% | 5.68% |
| 40 | PACIFIC HORIZON Springville | 6.68% | 6.11% |
| 41 | S E A Richfield | 6.75% | 5.75% |
| 42 | HOLLYFRONTIER EMPLOYEE'S Bountiful | 6.85% | 6.02% |
| 43 | UTAH HERITAGE Moroni | 6.85% | 6.37% |
| 44 | GRANITE Salt Lake City | 6.99% | 5.24% |
| 45 | KINGS PEAK Roosevelt | 6.99% | 6.99% |
| 46 | PRESTO LEWISTON EMPLOYEES Lewiston | 7.00% | — |
| 47 | FREEDOM Provo | 7.01% | 6.21% |
| 48 | NATIONAL J. A. C. L. Salt Lake City | 7.57% | 5.75% |
| 49 | HERCULES FIRST SALT LAKE CITY | 8.01% | 5.78% |
| 50 | DESERT RIVERS Moab | 9.00% | 8.00% |
| 51 | SAN JUAN BLANDING | 9.69% | 5.56% |
Most community credit unions in Utah accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a 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 the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.