Auto Loans · Salt Lake City, Utah
11 credit unions in Salt Lake City report car loan rates to the NCUA. Rates range from 4.28% to 5.78%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
4.28%
Lowest New Car Rate
5.19%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | VAREX ★ 5.0 · 5 reviews | 4.28% | 6.25% |
| 2 | P & S ★ 4.3 · 29 reviews | 4.46% | 6.57% |
| 3 | HI-LAND ★ 4.7 · 30 reviews | 4.99% | 4.99% |
| 4 | UTAH FIRST ★ 4.9 · 2,289 reviews | 4.99% | 4.99% |
| 5 | GIBBONS AND REED EMPLOYEES | 5.03% | 6.04% |
| 6 | CANYON VIEW ★ 3.3 · 3 reviews | 5.14% | 5.74% |
| 7 | GRANITE ★ 5.0 · 200 reviews | 5.24% | 6.99% |
| 8 | LU 354 I B E W ★ 4.4 · 19 reviews | 5.64% | 5.64% |
| 9 | RIDGELINE ★ 4.4 · 31 reviews | 5.74% | 6.52% |
| 10 | NATIONAL J. A. C. L. ★ 4.7 · 31 reviews | 5.75% | 7.57% |
| 11 | HERCULES FIRST ★ 4.5 · 108 reviews | 5.78% | 8.01% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | HI-LAND ★ 4.7 · 30 reviews | 4.99% | 4.99% |
| 2 | UTAH FIRST ★ 4.9 · 2,289 reviews | 4.99% | 4.99% |
| 3 | LU 354 I B E W ★ 4.4 · 19 reviews | 5.64% | 5.64% |
| 4 | CANYON VIEW ★ 3.3 · 3 reviews | 5.74% | 5.14% |
| 5 | GIBBONS AND REED EMPLOYEES | 6.04% | 5.03% |
| 6 | VAREX ★ 5.0 · 5 reviews | 6.25% | 4.28% |
| 7 | RIDGELINE ★ 4.4 · 31 reviews | 6.52% | 5.74% |
| 8 | P & S ★ 4.3 · 29 reviews | 6.57% | 4.46% |
| 9 | GRANITE ★ 5.0 · 200 reviews | 6.99% | 5.24% |
| 10 | NATIONAL J. A. C. L. ★ 4.7 · 31 reviews | 7.57% | 5.75% |
| 11 | HERCULES FIRST ★ 4.5 · 108 reviews | 8.01% | 5.78% |
A pre-approval from a Salt Lake City credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Salt Lake City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.