Auto Loans · Ogden, Utah
4 credit unions in Ogden report car loan rates to the NCUA. Rates range from 4.99% to 5.49%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.23%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GOLDENWEST ★ 4.6 · 321 reviews | 4.99% | 4.99% |
| 2 | WASATCH PEAKS ★ 3.4 · 77 reviews | 4.99% | 4.99% |
| 3 | EDUCATION 1ST ★ 4.8 · 22 reviews | 5.46% | 6.35% |
| 4 | ASCENT ★ 4.3 · 95 reviews | 5.49% | 5.49% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | GOLDENWEST ★ 4.6 · 321 reviews | 4.99% | 4.99% |
| 2 | WASATCH PEAKS ★ 3.4 · 77 reviews | 4.99% | 4.99% |
| 3 | ASCENT ★ 4.3 · 95 reviews | 5.49% | 5.49% |
| 4 | EDUCATION 1ST ★ 4.8 · 22 reviews | 6.35% | 5.46% |
A pre-approval from a Ogden 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 Ogden in the same window and take the best offer.
See member reviews, branch locations, and full rate details.