Credit union · NCUA insured
Ascent Credit Union Auto Loan Rates
Top CarrotAscent 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 Ascent Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ogden, UT, where Ascent Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ascent Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 16.90% APR
Auto Loans
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Education First Credit Union
4.60%APR
- Terms
- up to 72 months
- Up to
- 15.90% APR
Ascent 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 Ascent 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 Loans
Membership required. All rates and terms are offered O.A.C.; rate may vary based on credit history, credit score, LTV ratio, DTI ratio, and vehicle age/mileage. For model years 2023+, take an additional 0.20% off the rate (direct auto loan, new money only, refinance not eligible). For EV/Hybrid vehicles, take an additional 0.10% off the rate (direct auto loan, new money only, refinance not eligible). Rate add on for model years 2009 and older, dependent on credit score. No payment for first 90 days. Rate locks available for 180 days.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99%–16.80% | Lowest APR of 4.99% requires 720+ credit score; highest APR of 16.80% applies to credit score 579 and below. Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible). |
| up to 48 months | 4.99%–16.90% | Lowest APR of 4.99% requires 720+ credit score; highest APR of 16.90% applies to credit score 579 and below. Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible). |
| up to 60 months | 4.99%–16.90% | Lowest APR of 4.99% requires 720+ credit score; highest APR of 16.90% applies to credit score 579 and below. Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible). |
| up to 72 months | 5.49%–17.15% | Lowest APR of 5.49% requires 720+ credit score; highest APR of 17.15% applies to credit score 579 and below. Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible). |
| up to 84 months | 6.40%–14.10% | Lowest APR of 6.40% (max LTV 110%) requires 720+ credit score; 6.55% for max LTV 125% at 720+ credit score; highest APR of 14.10% applies to credit score 620-639 (N/A for 619 and below). Fixed APR. Rate discounts of 0.20% for 2023+ model years and 0.10% for EV/Hybrid may apply (new money only, direct loans, refinance ineligible). |
Motorcycles
Fast, local decisions. New, used and refinance motorcycle loans. No payment for first 60 days. No origination or prepayment fees. Terms up to 84 months and $100,000 without GAP, and up to 90 months when GAP is added. 1% added to rate for model years 2012 and older. All rates and terms are offered O.A.C., rate may vary based on credit history, credit score, LTV ratio, and vehicle year/mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.45% | Fixed APR. 1% added to rate for model years 2012 and older. All rates and terms offered O.A.C. based on best-available rates. |
| up to 60 months | 7.45% | Fixed APR. 1% added to rate for model years 2012 and older. All rates and terms offered O.A.C. based on best-available rates. |
| up to 72 months | 7.60% | Fixed APR. $7,500 minimum loan amount. 1% added to rate for model years 2012 and older. All rates and terms offered O.A.C. based on best-available rates. |
| up to 84 months | 7.75% | Fixed APR. $10,000 minimum loan amount. 1% added to rate for model years 2012 and older. All rates and terms offered O.A.C. based on best-available rates. |
Who can join Ascent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, worships, or volunteers in Box Elder, Davis, Morgan, or Weber county.
Cost to join
- An initial deposit of $5 into a Share Savings account is required to establish membership and ownership.
Membership information collected October 4, 2026.