Credit union · NCUA insured
Utah Heritage Credit Union Auto Loan Rates
Top CarrotUtah Heritage Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Utah Heritage Credit Union’s auto loan rates compare
Compared with banks and credit unions in Utah, where Utah Heritage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utah Heritage Credit Union
4.99%APR
- Terms
- up to 60 months
Auto Loans
Lowest rate
Utah Power Credit Union
3.79%APR
- Terms
- —
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
Utah Heritage Credit Union 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 Utah Heritage 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
Flexible terms up to 84 months. Finance up to 100%. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates; rate could be higher based on credit history, FICO score, and term. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | 5 yrs (60 Month) Term. Rates disclosed are best rates on approved credit. |
| up to 72 months | 5.49% | 6 yrs Term. Rates disclosed are best rates on approved credit. |
| up to 84 months | 5.99% | 7 yrs Term. Rates disclosed are best rates on approved credit. |
Sources (1)
- utahheritagecu.org/auto-loans · captured Oct 7, 2026
Who can join Utah Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Sanpete and Sevier Counties are eligible for membership.
Employers and groups
- Employees or patrons of Pitman Farms (formerly Moroni Feed Company or Norbest) are eligible for membership.
Family and household
- Family members of an existing Utah Heritage Credit Union member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of $25 in their share account, while minors under 18 may open an account for $5 with six months to reach the $25 minimum.
Membership information collected October 4, 2026.