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America First Credit Union auto loan rates

4.3/5 our editorial rating

Utah credit union offering auto loans in Utah, Nevada, Arizona, Idaho and New Mexico, with one posted rate for new and used cars.

Who can join: People who live, work, worship, volunteer or attend school in eligible areas of UT, NV, AZ, ID, NM, OR and CA, plus select employer groups, Utah food industry workers and family of members.

Visit America First Credit Union Calculate payment
From APR
5.24%
Best advertised rate

This is the lowest APR America First Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
Up to 96
Months

Pick a repayment term of up to 96 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's America First Credit Union rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.24% Compare →
Used car 60 mo 5.24% Compare →
Refinance 60 mo 5.24% Compare →

Pros

  • Used car rates as low as new car rates
  • Terms up to 8 years on loans of $30,000 or more
  • Online pre-approval before visiting a dealer

Cons

  • Membership based mainly on where you live or work
  • Posted rates are for Utah; other states use separate rate sheets
  • Auto financing offered in five Western states only

How we rate lenders

Our 4.3/5 rating for America First Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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