Credit union · NCUA insured
Utah Power Credit Union Auto Loan Rates
Top CarrotUtah Power Credit Union auto loans start at 3.79% APR for a new vehicle and 3.79% for a used one. Rates checked October 22, 2026.
How Utah Power Credit Union’s auto loan rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Utah Power Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Utah Power Credit Union
3.79%APR
- Terms
- —
- Up to
- —
First-Time Auto Buyer
2nd-lowest rate
Hercules First Federal Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
Utah Power Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.79%
- Used vehicleUsed3.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utah Power 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.
First-Time Auto Buyer
For financing first car purchase.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.79% | — |
Sources (1)
- utahpowercu.org/index.php · captured Oct 4, 2026
New & Used Autos
All Utah Power members get the same interest rate regardless of credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.29% | Vehicles 2016 & Newer; 5-years (60-month) term; rate includes a 0.50% discount for automatic payment. |
| up to 72 months | 4.79% | Vehicles 2016 & Newer; 6-years (72-month) term; rate includes a 0.50% discount for automatic payment. |
| up to 84 months | 5.29% | Vehicles 2016 & Newer; 7-years (84-month) term; rate includes a 0.50% discount for automatic payment. |
| up to 60 months | 5.29% | Vehicles 2015 & Older; 5-years (60-month) term; rate includes a 0.50% discount for automatic payment. |
Sources (3)
- utahpowercu.org/index.php?pid=consumerloans
- utahpowercu.org/index.php?pid=loans
- utahpowercu.org/index.php?pid=rates
All captured Oct 4, 2026
Who can join Utah Power Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or retirees of qualifying select employee groups are eligible for membership.
Family and household
- Spouses, children, parents, or siblings of existing member-owners are eligible for membership.
Membership information collected October 4, 2026.