What is the typical credit union auto loan rate in Utah?

The median new auto loan rate Utah credit unions reported on their Q2 2026 call reports was 5.24%, and the median used auto rate was 5.99%. Nationally the medians were 5.46% and 6.32%.

Are these the rates I will get?

No. Each is the rate a credit union entered for that loan type on its call report to NCUA. Your rate depends on your credit, the term, the collateral and the date, and you have to be eligible to join. Use these to see who prices low, then check the credit union's own rate sheet.

Q2 2026 call reports

Credit union loan rates in Utah

Utah credit unions reported a median new auto loan rate of 5.24% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Desertview Federal Credit Union reported the lowest, 4.50%.

These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.

Loan	Utah median	US median
New auto	5.24%	5.46%
Used auto	5.99%	6.32%
Credit card	11.49%	11.50%
Personal	12.59%	11.75%
Mortgage	6.06%	5.75%
Home equity	6.88%	6.75%

Lowest credit card rate reported in Utah: Hercules First Federal Credit Union, 8.72%. Lowest first mortgage rate: New Heights Federal Credit Union, 2.75%. (Same size rules as the national rankings.)

Every Utah credit union's reported rates

All 50 Utah credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.

Credit union	New auto	Used auto	Credit card	Personal	Mortgage	Home equity
America First Federal Credit Union	4.99%	4.99%	14.99%	16.49%	6.40%	7.49%
Mountain America Federal Credit Union	5.49%	5.49%	11.49%	13.24%	6.12%	7.24%
Goldenwest Federal Credit Union	4.99%	4.99%	11.49%	15.90%	6.75%	6.75%
Utah Community Federal Credit Union	4.99%	4.99%	18.00%	13.35%	6.24%	6.74%
Canyon View Federal Credit Union	4.99%	5.74%	12.49%	17.99%	7.25%	6.25%
Cyprus Federal Credit Union	5.49%	6.24%	11.49%	12.49%	6.13%	6.75%
Deseret First Federal Credit Union	5.14%	5.14%	10.90%	12.39%	6.15%	7.00%
Utah First Federal Credit Union	4.99%	4.99%	11.90%	13.75%	7.00%	7.25%
Utah Power Credit Union	4.99%	5.99%	9.90%	10.00%	6.38%	6.25%
Granite Federal Credit Union	5.24%	6.99%	12.49%	16.49%	6.50%	8.00%
Wasatch Peaks Federal Credit Union	4.99%	4.99%	11.49%	15.90%	6.62%	8.34%
Jordan Federal Credit Union	5.70%	6.55%	10.75%	10.95%	4.72%	6.60%
American United Federal Credit Union	5.24%	5.24%	9.90%	11.24%	6.46%	6.74%
Alpine Federal Credit Union	5.24%	5.24%	12.50%	11.25%	6.00%	7.00%
Elevate Federal Credit Union	4.99%	4.99%	11.25%	14.75%	4.50%	4.50%
Eastern Utah Community Federal Credit Union	5.99%	5.99%	12.49%	18.00%	5.50%	6.75%
Members First Credit Union	5.77%	6.24%	12.15%	13.28%	7.07%	7.47%
Horizon Utah Federal Credit Union	4.69%	4.69%	9.90%	12.24%	6.13%	6.75%
Hercules First Federal Credit Union	5.71%	8.04%	8.72%	9.73%	5.31%	6.39%
Utah Heritage Credit Union	6.35%	6.76%	12.87%	13.67%	6.88%	7.10%
Pacific Horizon Credit Union	6.09%	6.62%	13.90%	12.68%	4.77%	7.20%
Desert Rivers Federal Credit Union	8.00%	9.00%	9.49%	15.00%	4.50%	7.50%
Freedom Credit Union	6.29%	6.91%	13.61%	14.58%	4.73%	7.10%
Firefighters Credit Union	4.99%	4.99%	9.90%	13.90%	4.00%	6.00%
Kings Peak Credit Union	6.99%	6.99%	8.24%	12.05%	7.16%	9.77%
Millard County Credit Union	4.99%	4.99%	14.00%	12.99%	4.88%	6.74%
Education 1st Credit Union	5.46%	6.33%	11.80%	12.25%	6.80%	6.86%
Desertview Federal Credit Union	4.50%	5.50%	–	14.50%	5.75%	6.00%
Nephi Western Employees Federal Credit Union	6.45%	5.45%	–	15.00%	3.50%	–
Lu 354 I B E W Federal Credit Union	4.99%	4.99%	10.95%	13.00%	5.74%	7.64%
National J. A. C. L. Credit Union	5.76%	7.64%	9.90%	10.88%	3.69%	6.89%
Hi-Land Credit Union	4.99%	4.99%	10.90%	10.47%	6.36%	6.75%
Logan Medical Federal Credit Union	4.74%	4.74%	–	10.65%	5.25%	7.49%
San Juan Credit Union	6.35%	9.66%	–	23.20%	–	1.95%
New Heights Federal Credit Union	5.49%	5.49%	–	11.50%	2.75%	6.25%
Ridgeline Federal Credit Union	5.86%	6.38%	10.07%	11.86%	3.72%	7.08%
P & S Credit Union	4.59%	6.06%	9.99%	13.78%	3.36%	7.89%
Devils Slide Federal Credit Union	4.99%	4.99%	–	13.50%	–	–
Varex Federal Credit Union	4.36%	6.39%	10.90%	12.81%	3.21%	6.62%
C U P Federal Credit Union	5.62%	5.95%	–	9.63%	7.03%	7.36%
S E A Credit Union	5.75%	7.25%	–	11.00%	–	–
Gibbons and Reed Employees Federal Credit Union	5.07%	6.03%	–	11.33%	–	–
Hollyfrontier Employee's Credit Union	6.00%	6.53%	–	14.50%	–	–
Uintah Credit Union	4.90%	4.90%	–	8.50%	–	–
Orem City Employees Federal Credit Union	5.95%	6.30%	–	8.43%	–	–
Flexpak Federal Credit Union	5.82%	6.42%	–	8.75%	–	–
North Sanpete Federal Credit Union	7.25%	6.00%	–	12.00%	–	–
South Sanpete Credit Union	4.50%	4.75%	–	11.50%	–	–
Valley Wide Federal Credit Union	4.35%	6.00%	–	11.00%	–	–
Presto Lewiston Employees Credit Union	–	6.50%	–	7.50%	–	–

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Utah credit unions · Lowest rates nationally