Credit union · NCUA insured
Granite Credit Union Auto Loan Rates
Granite 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 Granite Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Granite Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Granite Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loan
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Granite Credit Union auto loan score
83
Auto loan score
Higher than 62% 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 Granite 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. Automatic enrollment in Vanishing Rate program to earn a 0.05% rate discount for every 3 months of consecutive on-time payments (fixed base rate never increases; missed payment restarts the 3-month cycle; may be subject to a rate floor). New money loans only. No down payment required. Published rates include a 0.25% discount for having a Granite CU Spend Account plus Automatic Payment. Rates and terms vary based on credit profile and credit union services used.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.74% | Fixed rate. Estimated monthly payment of $23.02 per $1,000 borrowed. Includes a 0.25% discount for Spend Account and automatic payment. Rate reduces by 0.05% for every 3 months of on-time payments. |
| up to 60 months | 4.74% | Fixed rate. Estimated monthly payment of $18.87 per $1,000 borrowed. Includes a 0.25% discount for Spend Account and automatic payment. Rate reduces by 0.05% for every 3 months of on-time payments. |
| up to 72 months | 4.99% | Fixed rate. Estimated monthly payment of $16.10 to $16.22 per $1,000 borrowed. Includes a 0.25% discount for Spend Account and automatic payment. Rate reduces by 0.05% for every 3 months of on-time payments. |
| up to 84 months | 5.99% | Fixed rate. Requires a minimum loan amount of $20,000 or a vehicle two years old or newer (for 73+ month loans). Estimated monthly payment of $14.60 to $14.97 per $1,000 borrowed. Includes a 0.25% discount for Spend Account and automatic payment. Rate reduces by 0.05% for every 3 months of on-time payments. |
Sources (4)
All captured Oct 7, 2026
Who can join Granite 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, worship, work (or regularly conduct business in), attend school, or have businesses and other legal entities in Salt Lake, Box Elder, Weber, Morgan, Davis, Summit, Tooele, Utah, Wasatch, or Juab County in Utah are eligible for membership.
Employers and groups
- Employees of Granite Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
- Volunteers in the community are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of Granite Credit Union are eligible for membership.
Membership information collected October 4, 2026.