Credit union · NCUA insured
UCCU Auto Loan Rates
UCCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How UCCU’s auto loan rates compare
Compared with banks and credit unions near Provo, UT, where UCCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UCCU
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
CUP Federal Credit Union
4.74%APR
- Terms
- 36–60 months
- Discount
- None included
2nd-lowest rate
Canyon View Credit Union
4.74%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
UCCU 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 UCCU 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
Financing subject to UCCU membership and underwriting criteria; membership requires opening a savings account with $5 minimum deposit. Rates include 0.25% loan discount with Elevated Checking Account. Actual rate may increase based upon borrower's creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $18.87 per $1,000 borrowed. |
| up to 60 months | 5.24% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $18.98 per $1,000 borrowed. |
| up to 72 months | 5.24% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $16.22 per $1,000 borrowed. |
| up to 72 months | 5.49% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $16.33 per $1,000 borrowed. |
| up to 84 months | 5.99% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $14.60 per $1,000 borrowed. |
| up to 84 months | 6.24% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $14.72 per $1,000 borrowed. |
| up to 48 months | 5.99% | Older Model (model years 2011-2018). Includes 0.25% loan discount with Elevated Checking Account. Payment is $23.48 per $1,000 borrowed. |
| up to 48 months | 6.24% | Older Model (model years 2011-2018). Standard rate without Elevated Checking discount. Payment is $23.60 per $1,000 borrowed. |
| up to 60 months | 6.24% | Older Model (model years 2011-2018). Includes 0.25% loan discount with Elevated Checking Account. Payment is $19.44 per $1,000 borrowed. |
| up to 60 months | 6.49% | Older Model (model years 2011-2018). Standard rate without Elevated Checking discount. Payment is $19.56 per $1,000 borrowed. |
| up to 72 months | 6.74% | Older Model (model years 2016-2018). Includes 0.25% loan discount with Elevated Checking Account. Payment is $16.92 per $1,000 borrowed. |
| up to 72 months | 6.99% | Older Model (model years 2016-2018). Standard rate without Elevated Checking discount. Payment is $17.04 per $1,000 borrowed. |
Sources (4)
All captured Oct 4, 2026
Motorcycle Loans
Up to 100% financing on new or used motorcycles. Financing is subject to UCCU membership and underwriting criteria. Advertised APR includes 0.25% loan discount with Elevated Checking Account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.24% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $19.91 per $1,000 borrowed. |
| up to 60 months | 7.49% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $20.03 per $1,000 borrowed. |
| up to 72 months | 7.49% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $17.29 per $1,000 borrowed. |
| up to 72 months | 7.74% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $17.41 per $1,000 borrowed. |
| up to 84 months | 7.74% | Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $15.46 per $1,000 borrowed. |
| up to 84 months | 7.99% | Model years 2019-2026. Standard rate without Elevated Checking discount. Payment is $15.58 per $1,000 borrowed. |
| up to 60 months | 7.74% | Older Models (model years 2011-2018). Includes 0.25% loan discount with Elevated Checking Account. Payment is $20.15 per $1,000 borrowed. |
| up to 60 months | 7.99% | Older Models (model years 2011-2018). Standard rate without Elevated Checking discount. Payment is $20.27 per $1,000 borrowed. |
Sources (2)
All captured Oct 4, 2026
Who can join UCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the Financial Fitness Association to qualify for UCCU membership, and UCCU will pay the one-time membership fee.
- Membership is available to any individuals and businesses in the United States.
Employers and groups
- Eligible to join through qualifying employer or association groups listed on UCCU's Employment & Association List.
Military, government and schools
- Employees of NEBO School District and Provo City School District are eligible for membership.
- Utah Valley University employees, students, Alumni Association members, Athletics, corporate partners, and donors are eligible for membership.
Family and household
- Eligible if a family or household member is already a UCCU member or is eligible for UCCU membership.
1 more way to join
Family and household
- Eligible if someone in your immediate family (including grandparents and blended family connections) or household (living under the same roof) is already a UCCU member.
Cost to join
- $5 to fund the account via credit card or external bank account (only for accounts opened online).
Membership information collected October 4, 2026.