Auto Loans · Vernal, Utah
2 credit unions in Vernal report car loan rates to the NCUA. Rates range from 4.35% to 4.90%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.35%
Lowest New Car Rate
4.63%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VALLEY WIDE ★ 4.2 · 20 reviews | 4.35% | 6.00% |
| 2 | UINTAH ★ 4.0 · 3 reviews | 4.90% | 4.90% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | UINTAH ★ 4.0 · 3 reviews | 4.90% | 4.90% |
| 2 | VALLEY WIDE ★ 4.2 · 20 reviews | 6.00% | 4.35% |
A pre-approval from a Vernal 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 Vernal in the same window and take the best offer.
See member reviews, branch locations, and full rate details.