Credit union · NCUA insured
Utah First Credit Union Auto Loan Rates
Top CarrotUtah First Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Utah First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Utah First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utah First Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
New/Used Auto
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
Utah First Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utah First 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.
New/Used Auto
Advertised APR includes 0.25% loan rate discount with active Personal Checking. Applies to purchases and refinancing (excludes cash-out refinancing and existing Utah First loans). 2022 and newer vehicles qualify for lowest promotional rate; older model years may receive a discounted promotional rate. Direct vehicle loans only on approved credit. Financing up to 125% of NADA retail value. Maximum rate ceiling is 18%.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25%–18.00% | Terms up to 60 months across Credit Grades A+ through E (FICO 730+ down to <549). Rate includes 0.25% loan rate discount with Personal Checking. 2022 and newer vehicles qualify for lowest promotional rate. Direct vehicle loans only on approved credit. |
| 61–72 months | 5.50%–18.00% | Terms 61-72 months across Credit Grades A+ through E (FICO 730+ down to <549). Rate includes 0.25% loan rate discount with Personal Checking. Direct vehicle loans only on approved credit. |
| up to 60 months | 5.25% | Fixed rate for 5 Years term (up to 60 months). Advertised APR includes 0.25% loan rate discount with Personal Checking. 2022 and newer vehicles qualify for lowest promotional rate. Direct vehicle loans only on approved credit. |
| up to 72 months | 5.50% | Fixed rate for 6 Years term. Advertised APR includes 0.25% loan rate discount with Personal Checking. Direct vehicle loans only on approved credit. |
| up to 84 months | 6.25% | Fixed rate for 7 Years term. Advertised APR includes 0.25% loan rate discount with Personal Checking. Direct vehicle loans only on approved credit. |
| up to 96 months | 8.00% | Fixed rate for 8 Years term. Advertised APR includes 0.25% loan rate discount with Personal Checking. Direct vehicle loans only on approved credit. |
Sources (3)
All captured Oct 15, 2026
Who can join Utah First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who join the Community Volunteers of Utah.
Family and household
- Membership is open to individuals who belong to a current member's immediate family.
Membership information collected October 4, 2026.