Credit union · NCUA insured
CUP Federal Credit Union Auto Loan Rates
Top CarrotCUP Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 22, 2026.
How CUP Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Provo, UT, where CUP Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CUP Federal Credit Union
4.74%APR
- Terms
- 36–60 months
- Discount
- None included
New/Used Vehicle Loans
2nd-lowest rate
Canyon View Credit Union
4.74%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
3rd-lowest rate
Deseret First Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
CUP Federal Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CUP 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.
New/Used Vehicle Loans
Must qualify to be a member of the credit union before applying. Same rates and terms on new or used vehicles. High loan-to-value amounts up to 120% under certain circumstances, terms from 2 years to 8 years. Loans on salvaged title vehicles available. On approved credit (OAC).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | On approved credit (oac). As low as rate. |
| 36–60 months | 4.74% | On approved credit (oac). As low as rate. Stated for 3-5 year term. |
Who can join CUP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.