Auto Loans · Orem, Utah
2 credit unions in Orem report car loan rates to the NCUA. Rates range from 3.98% to 5.24%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.98%
Lowest New Car Rate
4.61%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | OREM CITY EMPLOYEES | 3.98% | 5.80% |
| 2 | ALPINE ★ 3.5 · 77 reviews | 5.24% | 5.24% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ALPINE ★ 3.5 · 77 reviews | 5.24% | 5.24% |
| 2 | OREM CITY EMPLOYEES | 5.80% | 3.98% |
A pre-approval from a Orem 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 Orem in the same window and take the best offer.
See member reviews, branch locations, and full rate details.