Who can join Utah Community Credit Union?

UCCU is open to anyone; if you don't meet other criteria, you can join the Financial Fitness Association for free, which makes you eligible.

What is the starting rate for an auto refinance at UCCU?

For 2018 models or newer, you can get rates as low as 5.24% APR when including the Elevated Checking discount.

All lenders

Best for: Borrowers nationwide looking for a simple path to credit union membership and competitive rates on vehicles 2018 or newer

Utah Community CU

Utah Community CU — refinance rates as low as 5.24% APR for 2018 or newer vehicles.

Min credit

Not disclosed

APR

From 5.24%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Utah Community CU does not publish this on their public site. "No restriction" means Utah Community CU explicitly states no limit.

Overview

Utah Community Credit Union (UCCU) positions itself as a credit union 'anyone can join,' offering you easy entry through the Financial Fitness Association. For your auto refinancing, UCCU provides competitive rates, especially for models from 2018 or newer.…

What’s great

Competitive starting APR of 5.24% for 2018 or newer models
Nationwide eligibility with free membership in the Financial Fitness Association
Access to Auto Buying Experts to help you navigate hidden fees and markups

What to know

Lowest rates require an Elevated Checking Account discount
Starting APR floor is specific to vehicles 2018 or newer in the published example

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 5.24% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 60 months
States served	50 states
Membership requirement	Membership is open to you nationwide by joining the Financial Fitness Association (UCCU covers your membership fee).

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Utah Community CU's own published materials. Rates, eligibility, and terms can change — verify directly with Utah Community CU before applying.

[1]Refinance a Vehicle — Utah Community CU
https://www.uccu.com/refinance-a-vehicle/
Last checked: October 2026
[2]Vehicle Protections & Warranties — Utah Community CU
https://www.uccu.com/loans/personal/vehicle-loans/vehicle-loan-protection/
Last checked: October 2026
[3]Membership Eligibility — Utah Community CU
https://www.uccu.com/membership-eligibility/
Last checked: October 2026