Rates

Ascent Credit Union is an equal opportunity lender. For complete details and printed literature of ACU loan policies, please contact our Help Center. For mortgage and home equity rates, please call us at 801-399-9728.

Loan Calculator

See what your payment could be!

Loan Amount
The Loan Amount is the amount of money you will be requesting from us to use for your purchase.
Months
The Term is the amount of total amount of months you will be paying your loan off.
Rate
Please type percentage like so:

Example: typing 4.5 = 4.5%

{{ monthlyPayment | currency }}/month

Auto

Auto Loan Rates

Current as of May 13, 2026

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Credit Score 36 Month Term 48 Month Term 60 Month Term 72 Month Term 84 Month Term
720+ 4.99%* 4.99%* 4.99%* 5.49%* 6.40%* max LTV: 110%
6.55%* max LTV: 125%
700-719 6.15%* 6.20%* 6.40%* 6.85%* 7.45%*
680-699 7.00%* 7.10%* 7.20%* 7.65%* 8.45%*
660-679 8.30%* 8.80%* 9.00%* 9.45%* 10.15%*
640-659 10.45%* 10.45%* 10.70%* 11.25%* 12.10%*
620-639 11.90%* 12.00%* 12.30%* 12.80%* 14.10%*
600-619 13.10%* 13.30%* 13.55%* 14.55%* N/A
580-599 15.65%* 15.85%* 16.00%* 16.855* N/A
579 and below 16.80%* 16.90%* 16.90%* 17.15%* N/A
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For model years 2023+, take an additional 0.20% off the rate. Must be a direct auto loan to qualify. New money only. Refinance not eligible.
For EV/Hybrid vehicles, take an additional 0.10% off the rate. Must be a direct auto loan to qualify. New money only. Refinance not eligible.

 

*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, Debt-to-Income (DTI ratio, age and mileage of vehicle), and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

RV & Boat

Large RV (Motorhomes, Travel Trailers, Utility & Cargo Trailers, UTVs, Campers, & Boats)

Current as of May 13, 2026

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Loan Term (max) Rate Type APR* Terms
60 months Fixed 7.45%
72 months Fixed 7.60% $7,500 minimum
96 months Fixed 7.75% $10,000 minimum
120 months Fixed 7.90% $15,000 minimum
144 months Fixed 7.95% $30,000 minimum
180 months Fixed 8.35% $30,000 minimum
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.
1% added to rate for model years 2012 and older.

Small RV (Snowmobiles, Small Watercraft, ATVs and Motorcycles)

Current as of May 13, 2026

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Loan Term (max) Rate Type APR* Terms
48 months Fixed 7.45%
60 months Fixed 7.45%
72 months Fixed 7.60% $7,500 minimum
84 months Fixed 7.75% $10,000 minimum
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.
1% added to rate for model years 2012 and older.

Credit Card

VISA Platinum

Current as of May 13, 2026

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Card Type Rate Type APR* Features
Go2 Variable Prime + 1.71% No balance transfer fees
Cash Back Variable Prime + 11.5% 1% Cash Back on every purchase
Rewards Variable Prime + 8.5% Scorecard Rewards on every purchase
Wildcat Card Variable Prime + 8.5% Support WSU while earning Scorecard Rewards
Rate Advantage Variable Prime + 6.5% Low rate
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.
Current Prime Rate = 7.00%

Personal

Personal Loans

Current as of May 13, 2026

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Loan Term Rate Type APR*
36 Months Fixed 10.95%**
48 Months Fixed 11.20%**
60 Months Fixed 11.45%**
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, Loan to Value (LTV) ratio, and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

**Must have 720+ credit score to qualify for promotional rate. Up to $10,000. Valid for new money only. Loan must be closed by 3/31/26. No pre-payment penalty.

Share Secured Loans

Current as of May 13, 2026

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Loan Term Rate Type APR*
48 Months Fixed 5.20%
60 Months Fixed 5.24%
72 Months Fixed 5.49%
84 Months Fixed 6.55%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Certificate Secured Loans

Current as of May 13, 2026

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Loan Term Rate Type APR*
Variable Variable Certificate Rate + 1.50%
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*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history and credit score. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

Mortgage

30 year fixed

Current as of May 13, 2026

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Loan Type/Term Rate APR
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25 year fixed

Current as of May 13, 2026

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20 year fixed

Current as of May 13, 2026

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15 year fixed

Current as of May 13, 2026

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Loan Type/Term Rate APR
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10 year fixed

Current as of May 13, 2026

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Loan Type/Term Rate APR
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*Rate = Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your rate may vary depending on a variety of factors including, but not limited to: your credit score and history, current mortgage status, and type of loan. For complete details and a payment or rate quote, please contact a WSCU loan officer at 801-399-9728.
**Conventional and In House APR assume a loan amount of $175,000, purchase of a primary residence, single-family dwelling in the state of Utah and loan to value (LTV) ratio of 80% (refinance rates may vary). The rate lock period is 45 days and assumed credit score of 740. Please contact a WSCU loan officer at 801-399-9728 for our FHA and VA loan program details.

Savings

Savings

Current as of May 13, 2026

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Savings type Minimum balance to earn interest Yield*
Share Savings* $150 0.05%
MyFund $0.01 to $4,999.99 0.10%
MyFund $5,000 + 0.05%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

Debit/Checking

Debit/Checking Account

Current as of May 13, 2026

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Account type Minimum balance Yield* Benefits
Interest Debit $1,000+ 0.05% Interest on balances
Rewards Debit $0 - Scorecard Rewards points
Free Debit $0 - No minimum balances or maintenance fees
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

Certificates

Certificates of Deposit

Current as of May 13, 2026

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Term Yield* APR
3 Months 3.75% 3.70%
6 Months 3.85% 3.80%
12 Months 3.85% 3.80%
18 Months 3.80% 3.75%
24 Months 3.90% 3.84%
36 Months 3.90% 3.84%
48 Months 3.70% 3.65%
60 Months 3.80% 3.75%
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Found a better rate somewhere else? We can save you time with our rate match! (Must be the same product and local credit unions only; conditions may apply)
All CDs have a minimum deposit of $500.
*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. club members receive 0.15% increase. For more information on how to qualify for the V.I.P. Club, click here.

 

Money Market

Rewards Money Market Savings

Current as of May 13, 2026

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Rate Tier Yield* APR
$0.01 - $4,999.99 0.00% 0.00%
$5,000 - $9,999.99 0.80% 0.80%
$10,000 - $24,999.99 0.90% 0.90%
$25,000 - $49,999.99 1.50% 1.49%
$50,000 - $99,999.99 1.85% 1.83%
$100,000 - $249,999.99 2.40% 2.37%
$250,000+ 3.10% 3.06%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. club members receive 0.05% increase. For more information on how to qualify for the V.I.P. Club, click here.

IRA

IRA Accumulators

Current as of May 13, 2026

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IRA Type Minimum Balance to Earn Interest Yield*
Traditional $0 0.10%
Roth $0 0.10%
ESA $0 0.10%
SEP $0 0.10%
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*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
IRA Certificates of Deposit

Current as of May 13, 2026

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Term Yield* VIP Yield**
3 Months 3.75% 3.90%
6 Months 3.85% 4.00%
12 Months 3.85% 4.00%
18 Months 3.80% 3.95%
24 Months 3.90% 4.05%
36 Months 3.90% 4.05%
48 Months 3.70% 3.85%
60 Months 3.80% 3.95%
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Visit Any Branch to Open
All CDs have a minimum deposit of $500.
*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.

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