Credit union · NCUA insured
Hercules First Federal Credit Union Auto Loan Rates
Hercules First Federal Credit Union auto loans start at 3.84% APR for a new vehicle and 3.84% for a used one. Rates checked October 22, 2026.
How Hercules First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Hercules First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
3rd-lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
Hercules First Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.84%
- Used vehicleUsed3.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hercules First Federal 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
Membership required to complete the process; based on eligibility and credit approval. Fixed auto loan rates with terms up to 84 months, no application fees, member loyalty discounts, and purchase or refinance options available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.24% | Minimum monthly payment is $ 18.98 per $1,000 for a 60 month term. Loans are subject to credit approval. Membership required. Based on eligibility. |
| up to 60 months | 3.84% | Minimum monthly payment is $18.34 per $1,000 for a 60 month term. Loans are subject to credit approval. Membership required. Based on eligibility. |
Sources (2)
All captured Oct 22, 2026
Who can join Hercules First Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Salt Lake, Davis, Tooele, and Utah County are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Other ways
- Businesses and other legal entities located in Salt Lake, Davis, Tooele, and Utah County are eligible for membership.
Cost to join
- Membership requires a $5 deposit into a share (savings) account.
Membership information collected October 4, 2026.