Top credit unions in Utah ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Utah car payment calculator.
Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Utah for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Goldenwest Credit Union
GWCU was established in 1936 and has over 185,000 members at 42 credit unions in Utah. It started with employees from the Ogden Railway Company gathering to inspect railroad cars.
The ways to join include residents of Salt Lake and Weber Counties. Membership is also open to employees, students, and alumni of Utah State University.
Goldenwest CU ranks #1 on our 2023 credit union list for competitive rates on all loan types with top customer service.
Headquarters: 5025 South Adams Ave, Ogden, UT 84403
Jordan Credit Union
JCU was established in 1950 and serves over 25,000 members at 7 locations in Utah.
It began with employees of the Jordan School District. The field of membership includes the counties Davis, Morgan, Salt Lake, Tooele, Utah, or Weber.
Headquarters: 1750 W 11400 S, #200, South Jordan, UT 84095
Utah Power Credit Union
UPCU was founded in 1935 and has 39,000 members from 9 credit unions in Utah. UPCU would rank higher on the list of top credit unions in Utah if it had a wider field of membership.
The ways to join include employees and retirees of PacifiCorp or one of the following companies: Blue Mountain Energy, Bridger Valley Electric, Deseret Power, Dixie Power, Flowell Electric, Garkane Electric, Intermountain Consumer Power Association, Intermountain Power Agency, Moon Lake Electric, Mount Wheeler Power, Southern Pacific Railroad, Union Pacific Railroad in Carbon or Emery County, Utah Associated Municipal Power Systems, Utah Railway Company, Utah Rural Electric Association, and the Western Electricity Coordinating Council.
UPCU began when employees of the Utah Power & Light Company combined funds to provide car loans. The first auto loan was in 1936, and it had an amount financed of $300 with a monthly payment of $15.
Headquarters: 957 E 6600 S, Salt Lake City, Utah 84121
Utah Community Credit Union
UCCU was established in 1956. It has 240,000 members at 20 branches.
The ways to join include the counties Box Elder, Davis, Juab, Morgan, Salt Lake, Sanpete, Summit, Tooele, Utah County, Wasatch, and Weber.
UCCU began at Brigham Young University with deposits hidden in a bath tub in the Herald R Clark building.
Headquarters: 360 W 4800 N, Provo, UT 84604
America First Credit Union
America First CU was founded in 1939 and has 1.3 million members from 122 locations in UT. Eligibility to join includes members of affiliated associations and residents of the counties listed in the field of membership.
America First is the largest credit union in Utah, but its first deposits were gathered in tin cans during a meeting at Fort Douglas Military Base in 1939.
Headquarters: 4774 South 1300 West, Building 3, Riverdale, UT 84405
Cyprus Credit Union
Established in 1928 by 22 copper miners with $100 in deposits, Cyprus CU serves over 135,000 members at 23 unions in UT.
Anyone can join after making a $5 donation to the CRA, an affiliated non-profit organization.
Headquarters: 3876 W Centerview Way, West Jordan, UT 84084
UFirst Credit Union
UFirst was established in 1956. It has over 125,000 members at 24 locations. It was started by professors after reviewing a PhD thesis at the University of Utah.
The ways to join include Salt Lake, Davis, Summit, Tooele, Wasatch, or Utah County.
Headquarters: 3450 Highland Dr, Salt Lake City, UT 84106
TransWest Credit Union
Founded in 1935, Transwest serves 17,500 members at 7 unions.
The field of membership includes Salt Lake County residents and members of the Utah Arts Alliance.
TransWest was originally created for employeess of the Union Pacific Railroad.
Headquarters: 37 W 1700 S, Salt Lake City, UT 84115
Mountain America Credit Union
Established in 1947, MACU serves 1.2 million clients at 105 branches in UT.
Employees of affiliated businesses and members of affiliated organizations can sign up as listed in the ways to join.
Mountain America is a good fit for small business owners. It's been a top SBA lending credit union for 15 years, and offers a full range of business accounts.
Headquarters: 9800 S Monroe Street Sandy, UT 84070
Utah First Credit Union
Utah First was established in 1935 and has over 38,000 members at 11 branches in Utah. It began with a group of German Americans depositing $115 into a Vereinigung, the German word for unification.
Anyone can join via CVU, a non-profit organization whose members are eligible to join Utah First Credit Union.
Headquarters: 200 E South Temple, Salt Lake City, UT 84111