Credit union · Utah

Mountain America Credit Union auto loan rates compared

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5 states · Headquarters UtahChecked Nov 12, 2026Rate page on macu.com

EligibilityPer Mountain America: Become a member if you live, work or go to school in one of our eligible states or have a relative who is a member. An employee or volunteer of a Select Employer or affiliated association qualifies automatically for membership. Most residents of the following states are eligible to join: Utah, Arizona, Idaho, Nevada, Montana.

Utah, Arizona, Idaho, Nevada, Montana

Visit lender Opens macu.com

Lowest new rate

5.24%APR, as low as

New60 monthsMountain America Credit Union

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more

UT, AZ, ID, NV, MT lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 2 rates

UT · AZ · ID · NV · MTChecked Nov 12, 2026

New
As low as

5.24%APR60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto loans (Includes cars, pickup trucks, SUVs, etc.), New and used: 60 months (5 years), 5.24% APR*. Advertised as 60 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.24% APR, new, 60 monthsVisit lender, Mountain America Credit Union, 5.24% APR, new, 60 months ↗

UT · AZ · ID · NV · MTChecked Nov 12, 2026

New
As low as

5.49%APR72 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto loans (Includes cars, pickup trucks, SUVs, etc.), New and used: 72 months (6 years), 5.49% APR*. Advertised as 72 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.49% APR, new, 72 monthsVisit lender, Mountain America Credit Union, 5.49% APR, new, 72 months ↗
5.24%APR

New car

Visit lender, Mountain America Credit Union, 5.24% APR, new, 60 months

UT · AZ · ID · NV · MTChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

New car

Visit lender, Mountain America Credit Union, 5.49% APR, new, 72 months

UT · AZ · ID · NV · MTChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 2 rates

UT · AZ · ID · NV · MTChecked Nov 12, 2026

Used
As low as

5.24%APR60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto loans (Includes cars, pickup trucks, SUVs, etc.), New and used: 60 months (5 years), 5.24% APR*. Advertised as 60 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.24% APR, used, 60 monthsVisit lender, Mountain America Credit Union, 5.24% APR, used, 60 months ↗

UT · AZ · ID · NV · MTChecked Nov 12, 2026

Used
As low as

5.49%APR72 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Auto loans (Includes cars, pickup trucks, SUVs, etc.), New and used: 72 months (6 years), 5.49% APR*. Advertised as 72 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.49% APR, used, 72 monthsVisit lender, Mountain America Credit Union, 5.49% APR, used, 72 months ↗
5.24%APR

Used car

Visit lender, Mountain America Credit Union, 5.24% APR, used, 60 months

UT · AZ · ID · NV · MTChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

Used car

Visit lender, Mountain America Credit Union, 5.49% APR, used, 72 months

UT · AZ · ID · NV · MTChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

RefiRefinance rates · 2 rates

UT · AZ · ID · NV · MTChecked Nov 12, 2026

Refi
As low as

5.24%APR60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Refinance: “Refinance rates are the same as our new and used auto loan rates—currently as low as 5.24% APR for 60 months on approved credit.” Auto loans (Includes cars, pickup trucks, SUVs, etc.): 60 months (5 years), 5.24% APR*. Advertised as 60 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.24% APR, refi, 60 monthsVisit lender, Mountain America Credit Union, 5.24% APR, refi, 60 months ↗

UT · AZ · ID · NV · MTChecked Nov 12, 2026

Refi
As low as

5.49%APR72 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Requires:Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Refinance: “Refinance rates are the same as our new and used auto loan rates—currently as low as 5.24% APR for 60 months on approved credit.” Auto loans (Includes cars, pickup trucks, SUVs, etc.): 72 months (6 years), 5.49% APR*. Advertised as 72 months. * APR=Annual Percentage Rate (based on creditworthiness) 1. Loans on approved credit. Advertised APR includes 0.25% loan rate discount with MyStyle® Checking. Actual APR based on creditworthiness. Fixed auto loan interest rates as low as 5.24% APR¹ with MyStyle® Checking discount. Terms up to six years². Membership required—based on eligibility. Loans on approved credit.

Checked Nov 12, 2026Source macu.com

Calculate payment, Mountain America Credit Union, 5.49% APR, refi, 72 monthsVisit lender, Mountain America Credit Union, 5.49% APR, refi, 72 months ↗
5.24%APR

Refinance

Visit lender, Mountain America Credit Union, 5.24% APR, refi, 60 months

UT · AZ · ID · NV · MTChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.49%APR

Refinance

Visit lender, Mountain America Credit Union, 5.49% APR, refi, 72 months

UT · AZ · ID · NV · MTChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.5 Western states & groups5 Western states & groups: For a specific group: only open to people who live, work or go to school in Utah, Arizona, Idaho, Nevada, or Montana (most residents of these states are eligible); people with a relative who is a member; or employees and volunteers of a Select Employer or affiliated association. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures