Credit union · NCUA insured
American United Federal Credit Union Auto Loan Rates
Top CarrotAmerican United Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How American United Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where American United Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American United Federal Credit Union
4.99%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
American United Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American United Federal 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
Membership required. On approved credit. Rates are subject to approval based on credit score tier and loan-to-value percentage. GoldStar Membership required for stated rates, otherwise rate is 0.25% APR higher. Loan terms can be extended up to 6 months for adding Debt Protection, Guaranteed Asset Protection (GAP), or Mechanical Breakdown coverages (not available on branded titles). No pre-payment penalty. Not available for auto loans already financed by American United Federal Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 72 months | 5.24% | Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 84 months | 5.99% | Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 60 months | 5.99% | Model year 2019 & older. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 72 months | 6.24% | Model year 2019 & older. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 84 months | 6.99% | Model year 2019 & older. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate. |
| up to 60 months | 5.49% | Branded/Rebuilt Title, model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Not eligible for GAP coverage; unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages. Stated as low as rate. |
| up to 72 months | 5.99% | Branded/Rebuilt Title, model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Not eligible for GAP coverage; unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages. Stated as low as rate. |
| up to 60 months | 6.49% | Branded/Rebuilt Title, model year 2019 & older. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Not eligible for GAP coverage; unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages. Stated as low as rate. |
| up to 72 months | 6.99% | Branded/Rebuilt Title, model year 2019 & older. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Not eligible for GAP coverage; unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages. Stated as low as rate. |
First-Time Auto Buyer Program
Must be a member and 18 years of age or older. Minimum 3 months continuous employment verifiable via recent pay stubs. Must have active checking account with at least one completed direct deposit. For new or used vehicles (used no more than 12 years old or 150,000 miles for 60-month loan; no more than 6 years old or 75,000 miles for 72-month loan). Salvage/rebuilt titles not eligible. Max loan amount $25,000. Loan-to-Value up to 95%. No payments for 90 days. Limited time offer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.49% | Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Max loan amount $25,000. Used vehicles no more than 12 years old or 150,000 miles. Stated as low as rate. |
| up to 72 months | 8.74% | Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Max loan amount $25,000. Used vehicles no more than 6 years old or 75,000 miles. Stated as low as rate. |
Sources (1)
- amucu.org/personal/current-offers · captured Oct 4, 2026
Motorcycle & ATV Loans
Membership required. On approved credit. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Rates subject to change at any time without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.99% | Flexible financing for motorcycles and ATVs. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate for 84-month term. |
Sources (1)
- amucu.org · captured Oct 4, 2026
Who can join American United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to anyone who agrees to join the Financial Fitness Association for $5.
Where you live or work
- Membership is open to individuals who live, work, or attend school in Carbon or Emery counties.
- Membership is open to individuals who live in an approved underserved area in Salt Lake County.
Employers and groups
- Membership is open to employees or members of an approved SEG group or association.
Family and household
- Membership is open to individuals related to an existing member of American United FCU.
Cost to join
- A $5 fee applies if qualifying for membership by joining the Financial Fitness Association.
- Opening a Primary, Youth, or GoldStar Savings Account requires a $5 minimum deposit at opening and maintaining a $5 minimum balance.
Membership information collected October 4, 2026.