Credit union · NCUA insured
Deseret First Credit Union Auto Loan Rates
Top CarrotDeseret First 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 Deseret First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Deseret First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Deseret First 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
Deseret First 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 Deseret 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
Membership and eligibility required (church members and immediate family members can join). APR represents best available rates; individual rate may be higher depending on creditworthiness, vehicle age, mileage, and title status. OAC.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 4.99% | As low as rate for 24 to 48 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC. |
| up to 60 months | 4.99% | As low as rate for 60 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC. |
| up to 72 months | 5.24% | As low as rate for 72 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC. |
| up to 84 months | 5.99% | As low as rate for 84 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC. |
Motorcycle & Powersport Loan
Membership and credit approval required. Rates as low as 7.74% APR with terms up to 7 years (84 months). Dealer financing available. Individual rate may vary based on creditworthiness, age, mileage, and title status.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.74% | As low as rate; terms up to 7 years (84 months). Rate depends on creditworthiness, age, mileage, and title status. |
Sources (1)
- dfcu.com/loans/vehicle/recreational-vehicle-loans · captured Oct 22, 2026
Who can join Deseret First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Church of Jesus Christ of Latter-day Saints or affiliated organizations and select employer groups are eligible for membership.
- Current employees of Deseret First Credit Union are eligible for membership.
Family and household
- Immediate family of eligible members qualify for credit union membership.
Other ways
- Members of The Church of Jesus Christ of Latter-day Saints are eligible for membership.
Cost to join
- A $5 initial membership share deposit is required to establish membership.
Membership information collected October 4, 2026.