Credit union · NCUA insured
Horizon Credit Union Auto Loan Rates
Top CarrotHorizon Credit Union auto loans start at 4.69% APR for a new vehicle and 4.69% for a used one. Rates checked October 22, 2026.
How Horizon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ogden, UT, where Horizon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Horizon Credit Union
4.69%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loan
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Education First Credit Union
4.60%APR
- Terms
- up to 72 months
- Up to
- 15.90% APR
Horizon Credit Union auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.69%
- Used vehicleUsed4.69%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon 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
Same low rate for new or used vehicles. 100% financing available, up to 45 days to make first payment, and financing up to 84 months. Rates are based on member eligibility, credit history, and term of loan. Restrictions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles. |
| up to 48 months | 4.69% | Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles. |
| up to 60 months | 4.69% | Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles. |
| up to 72 months | 4.94% | Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles. |
| up to 84 months | 5.69% | Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles. |
Recreational Vehicle (Large) Loan
Rates are 'as low as' and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply. Loans for Motor Homes, Boats, Campers, Travel Trailers.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.89% | 48-month term. Motor Homes, Boats, Campers, Travel Trailers... |
| up to 60 months | 7.89% | 60-month term. Motor Homes, Boats, Campers, Travel Trailers... |
| up to 72 months | 7.89% | 72-month term. Motor Homes, Boats, Campers, Travel Trailers... |
| up to 84 months | 7.89% | 84-month term. Motor Homes, Boats, Campers, Travel Trailers... |
| up to 120 months | 7.89% | 120-month term. Motor Homes, Boats, Campers, Travel Trailers... |
Recreational Vehicle (Small) Loan
Rates are 'as low as' and are based on member eligibility, credit history and term of loan. Rates are subject to change at any time without prior notice. Restrictions may apply. Loans for Motorcycles, ATV's, Snowmobiles, PWC's. LTV tiers apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.19% | 48-month term. 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| up to 60 months | 7.19% | 60-month term. 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| up to 72 months | 7.64% | 72-month term. 90% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| up to 48 months | 7.44% | 48-month term. 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| up to 60 months | 7.44% | 60-month term. 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
| up to 72 months | 7.89% | 72-month term. 100% LTV - Motorcycles,ATV's,Snowmobiles,PWC's... |
Who can join Horizon Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals not otherwise eligible can qualify for membership by joining the Financial Fitness Association at no cost.
Employers and groups
- Membership is open to employees, members, board members, and their family or household members of Lifetime Products.
Military, government and schools
- Membership is open to students, members, employees, board members, and their family or household members of Davis Education Foundation, Davis Technical College, and Davis School District.
Family and household
- Membership is available to any family or household member of an existing member.
- Membership is open to spouses of individuals who passed away while within the field of membership.
Cost to join
- A $5 deposit is required to open a Share Savings account and become a member.
Membership information collected October 4, 2026.