Credit union · NCUA insured
America First Credit Union Auto Loan Rates
Top CarrotAmerica First Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How America First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where America First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
America First Credit Union
5.24%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
America First Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where America First Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
The rates below are for Utah. Rates and terms are subject to change and on approved credit. Lowest APR for terms outlined; rate may be higher depending on credit history and underwriting criteria. Maximum APR for consumer loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | Fixed rate. Term 5 Years. |
| up to 72 months | 5.49% | Fixed rate. Term 6 Years. |
| up to 84 months | 6.24% | Fixed rate. Term 7 Years. |
| up to 96 months | 7.99% | Fixed rate. Term 8 Years. Minimum Loan Amount of $30,000 Required. |
Auto Loan - Declining Rate Auto
Offered exclusively online and at America First branches with a 60-month term. Interest rate decreases with each on-time payment. Rates listed are for Utah. Rates and terms are subject to change and on approved credit. Lowest APR for terms outlined; rate may be higher depending on credit history and underwriting criteria. Maximum APR for consumer loans is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Fixed rate. Term 5 Years (60 months). Interest rate decreases with each on-time payment. |
Sources (2)
- americafirst.com/loans/vehicle-loans/auto-loans.html
- americafirst.com/content/afcu/…en/rates/loan-rates.html
All captured Oct 22, 2026
Motorcycle Loan
The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Consumer Loans have a maximum APR of 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.89% | Fixed rate. Term 7 Years. |
| up to 120 months | 7.89% | Fixed rate. Term 10 Years. Minimum Loan Amount of $20,000 Required. |
| up to 180 months | 8.14% | Fixed rate. Term 15 Years. Minimum Loan Amount of $25,000 Required. |
Sources (2)
All captured Oct 22, 2026
Who can join America First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.