Credit union · NCUA insured
Desert Rivers Credit Union Auto Loan Rates
Top CarrotDesert Rivers Credit Union auto loans start at 5.49% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Desert Rivers Credit Union’s auto loan rates compare
Compared with banks and credit unions in Utah, where Desert Rivers Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Desert Rivers Credit Union
5.49%APR
- Terms
- 24–60 months
- Up to
- 18.00% APR
New Auto Loans - 0-2 Years Old
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Desert Rivers Credit Union auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Desert Rivers 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 3-7 Years Old
Rates are APR (Annual Percentage Rates). Your rate may be higher and is based on your credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 60 months | 5.74%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 72 months | 5.99%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 84 months | 6.74%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
Auto Loans 8+ Years Old
Rates are APR (Annual Percentage Rates). Your rate may be higher and is based on your credit worthiness.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 7.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 48 months | 7.74%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 60 months | 7.99%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 72 months | 8.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
Joint Auto Sales Special
Offered in partnership with Canyonland Auto on vehicles 5 years old or newer on approved credit. Rates good through 9/2/2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 3.99%–4.74% | Promotional rates valid through September 2, 2025; vehicles 5 years old or newer; 3.99% APR for 690+ credit score, 4.74% APR for 640-689 credit score on approved credit. |
| up to 84 months | 4.49%–5.24% | Promotional rates valid through September 2, 2025; vehicles 5 years old or newer; 4.49% APR for 690+ credit score, 5.24% APR for 640-689 credit score on approved credit. |
| up to 96 months | 4.99%–5.99% | Promotional rates valid through September 2, 2025; vehicles 5 years old or newer; on loans over $50,000 only; 4.99% APR for 690+ credit score, 5.99% APR for 640-689 credit score on approved credit. |
Sources (1)
- desertriverscu.com/canyonland-auto · captured Oct 15, 2026
New Auto Loans - 0-2 Years Old
Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness. At 6.49% APR payment for 60 month are $19.56 per $1000.00 borrowed. Membership required-based on eligibility. **On Purchased Vehicles 0-4 years old only. LTV plus GAP and Warranty within guidelines -9 year term at $30,000 minimum -10 year at $40,000 minimum
| Terms | APR | Conditions |
|---|---|---|
| 24–60 months | 5.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 72 months | 5.74%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 84 months | 6.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. |
| up to 96 months | 7.49%–18.00% | Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600. Footnote specifies 9-year term at $30,000 minimum. |
| up to 120 months | 7.49%–8.24% | 120 Month Term Limited Time Special***; On purchased vehicles 0-4 years old only; 10 year term at $40,000 minimum; tier rates for A+ (>740) at 7.49%, A (690-739) at 7.99%, B (660-689) at 8.24%. |
Who can join Desert Rivers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Grand County are eligible for membership.
- Residents of Green River City are eligible for membership.
- Residents of San Juan County are eligible for membership.
Employers and groups
- Members of the Community Impact Fund Foundation are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Other ways
- Existing members are eligible to open accounts.
Cost to join
- Savings/Shares account has a minimum balance of $25.
Membership information collected October 4, 2026.