Credit union · NCUA insured
Elevate Credit Union Auto Loan Rates
Top CarrotElevate 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 Elevate Credit Union’s auto loan rates compare
Compared with banks and credit unions near Brigham City, UT-ID, where Elevate Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Elevate Credit Union
4.99%APR
- Terms
- up to 66 months
- Discount
- None included
Auto Loan
2nd-lowest rate
Members First Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Northrop Grumman Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Elevate 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 Elevate 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 required. Available on approved credit for new, used, and refinance vehicle loans. Rates based on creditworthiness and vehicle age. No payments required for the first 60 days; interest accrues from the date of funding.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Vehicle model years 2016-2026. Lowest rate. No payment for 60 days. |
| up to 48 months | 4.74% | Vehicle model years 2016-2026. No payment for 60 days. |
| up to 66 months | 4.99% | Vehicle model years 2016-2026. No payment for 60 days. |
| up to 72 months | 5.24% | Vehicle model years 2016-2026. Loan amount $12,000 or more. No payment for 60 days. |
| up to 84 months | 5.99% | Vehicle model years 2016-2026. Loan amount $25,000 or more. No payment for 60 days. |
| up to 60 months | 6.49% | Vehicle model years 2011-2015. No payment for 60 days. |
| up to 48 months | 8.74% | Vehicle model years 2010 & older. No payment for 60 days. |
Sources (1)
- elevatecu.com/loans/auto-loan · captured Oct 4, 2026
Who can join Elevate Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, worship, or regularly conduct business in Box Elder County, Cache County, or Rich County in Northern Utah are eligible for membership.
Family and household
- Family members of an existing Elevate Credit Union member (including parent, child, spouse/surviving spouse, sibling, grandparent, grandchild, stepparent, stepchild, step-sibling, guardian, foster or adoptive relationship, or partner) are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to secure a share in the credit union upon opening an account.
Membership information collected October 4, 2026.