Credit union · NCUA insured
Education First Credit Union Auto Loan Rates
Top CarrotEducation First Credit Union auto loans start at 4.60% APR for a new vehicle and 4.60% for a used one. Rates checked October 22, 2026.
How Education First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ogden, UT, where Education First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Education First Credit Union
4.60%APR
- Terms
- up to 72 months
- Up to
- 15.90% APR
New or Used Auto Loans
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Horizon Credit Union
4.69%APR
- Terms
- up to 60 months
- Up to
- —
Education First Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed4.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Education 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.
Motorcycle
Terms up to 84 months available. 100% financing available under recreational loans.
| Terms | APR | Conditions |
|---|---|---|
| 60–84 months | 7.30% | Fixed APR. Starting rate based on credit score at the time the loan is requested. Terms up to 84 months available. |
New or Used Auto Loans
Terms up to 84 months. Financing up to 70% on branded/salvaged titles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.95%–15.25% | Fixed APR. Rate based on credit score. |
| up to 36 months | 4.10%–15.40% | Fixed APR. Rate based on credit score. |
| up to 48 months | 4.25%–15.55% | Fixed APR. Rate based on credit score. |
| up to 60 months | 4.30%–15.70% | Fixed APR. Rate based on credit score. |
| up to 72 months | 4.60%–15.90% | Fixed APR. Rate based on credit score. |
| up to 84 months | 4.80%–16.00% | Fixed APR. Rate based on credit score. |
Who can join Education First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living in Weber County is eligible for membership.
Military, government and schools
- Current and retired employees of the Ogden School District are eligible for membership.
- Current students and alumni of the Ogden School District are eligible for membership.
Family and household
- Families of Ogden School District current and retired employees, current students, and alumni are eligible for membership.
Membership information collected October 4, 2026.