Deseret First

west valley cit, Utah
Last verified: July 15, 2026

As of July 15, 2026, Deseret First offers a 30-year-fixed mortgage at 6.115% APR (5.99% rate, 0 points). Auto loans available from 4.74% APR. HELOC rates from 6.75% APR. Personal loan rates from 12.14% APR.

Source: RateAPI.dev, verified from Deseret First's official website

Who Can Join Deseret First

Membership eligibility from Deseret First's own published criteria. How we verify this.

Membership via employers (The Church of Jesus Christ of Latter-day Saints +22 more) or occupations (member of The Church of Jesus Christ of Latter-day Saints)

Verified from Deseret First's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 15, 2026

30-year-fixed
6.115% APR
Rate5.990%
Points0
Conventional 30 Year Fixed
30-year-fixed
6.147% APR
Rate5.875%
Points1.545
Conventional 30 Year Fixed
15-year-fixed
5.848% APR
Rate5.625%
Points0.13
Conventional 15 Year Fixed
15-year-fixed
5.953% APR
Rate5.750%
Points0
Conventional 15 Year Fixed
savings
0.050% APR
Rate0.050%
Points0
Business Advantage Checking $100,000 - $249,999
savings
0.050% APR
Rate0.050%
Points0
Business Advantage Checking $20,000 - $99,999
ira
0.050% APR
Rate0.050%
Points0
IRA Regular 3 Months
savings
0.050% APR
Rate0.050%
Points0
Membership Savings
savings
0.050% APR
Rate0.050%
Points0
Mission Savings Fund ($15,000+)
savings
0.050% APR
Rate0.050%
Points0
Special Savings
savings
0.050% APR
Rate0.050%
Points0
Youth Cents Savings
ira
0.200% APR
Rate0.200%
Points0
IRA Savings
money_market
0.250% APR
Rate0.250%
Points0
Money Market $0–$2,499
savings
0.250% APR
Rate0.250%
Points0
Platinum Savings
savings
1.000% APR
Rate0.050%
Points0
Mission Savings Fund
savings
1.090% APR
Rate1.090%
Points0
Special Savings $0 - $9,999
money_market
1.100% APR
Rate1.090%
Points0
Money Market $2,500–$19,999
money_market
1.980% APR
Rate1.980%
Points0
Money Market Savings
savings
1.980% APR
Rate1.980%
Points0
Special Savings $10,000 - $99,999
money_market
2.000% APR
Rate1.980%
Points0
Money Market $20,000–$99,999
savings
2.570% APR
Rate2.570%
Points0
Special Savings $100,000 - $1,000,000
money_market
2.600% APR
Rate2.570%
Points0
Money Market $100,000-$249,999
money_market
3.350% APR
Rate3.300%
Points0
Money Market $250,000-$499,999
money_market
3.450% APR
Rate3.400%
Points0
Money Market $500,000-$999,999
savings
3.500% APR
Rate3.450%
Points0
Mission Savings Fund ($0–$15,000)
share_certificate_36mo
3.830% APR
Rate3.830%
Points0
Jumbo Share Certificate 36 Months
share_certificate_3mo
3.830% APR
Rate3.830%
Points0
Regular Share Certificate 3 Months
money_market
3.850% APR
Rate3.780%
Points0
Money Market $1,000,000+
ira
3.900% APR
Rate3.830%
Points0
IRA Jumbo 6 Months
ira
3.900% APR
Rate3.830%
Points0
IRA Regular 6 Months
share_certificate
3.900% APR
Rate3.830%
Points0
Jumbo Share Certificate
share_certificate_24mo
3.900% APR
Rate3.900%
Points0
Jumbo Share Certificate 24 Months
share_certificate
3.900% APR
Rate3.830%
Points0
Regular Share Certificate
share_certificate_48mo
3.920% APR
Rate3.920%
Points0
Jumbo Share Certificate 48 Months
share_certificate_60mo
3.920% APR
Rate3.920%
Points0
Jumbo Share Certificate 60 Months
share_certificate_36mo
3.920% APR
Rate3.920%
Points0
Regular Share Certificate 36 Months
share_certificate_48mo
3.920% APR
Rate3.920%
Points0
Regular Share Certificate 48 Months
ira
3.950% APR
Rate3.870%
Points0
IRA Jumbo 12 Months
ira
3.950% APR
Rate3.870%
Points0
IRA Regular 12 Months
share_certificate_60mo
3.950% APR
Rate3.950%
Points0
Regular Share Certificate 60 Months
ira
4.000% APR
Rate3.920%
Points0
IRA Jumbo 36 Months
ira
4.000% APR
Rate3.920%
Points0
IRA Jumbo 48 Months
ira
4.000% APR
Rate3.920%
Points0
IRA Regular 36 Months
ira
4.000% APR
Rate3.920%
Points0
IRA Regular 48 Months
share_certificate_6mo
4.000% APR
Rate4.000%
Points0
Jumbo Share Certificate 6 Months
share_certificate_12mo
4.000% APR
Rate4.000%
Points0
Regular Share Certificate 12 Months
ira
4.050% APR
Rate3.970%
Points0
IRA Jumbo 60 Months
ira
4.050% APR
Rate3.970%
Points0
IRA Regular 60 Months
share_certificate_12mo
4.050% APR
Rate4.050%
Points0
Jumbo Share Certificate 12 Months
share_certificate_24mo
4.050% APR
Rate4.050%
Points0
Regular Share Certificate 24 Months
ira
4.100% APR
Rate4.020%
Points0
IRA Jumbo 24 Months
ira
4.100% APR
Rate4.020%
Points0
IRA Regular 24 Months
share_certificate_6mo
4.100% APR
Rate4.100%
Points0
Regular Share Certificate 6 Months
10-year-fixed
6.331% APR
Rate5.740%
Points0
10-Year Fixed Rate

Auto Loan Rates

Rates as of July 15, 2026

auto_any_48mo
4.740% APR
Rate4.740%
Auto Loan 24 to 48 Months
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loan 60 Months
auto_any_72mo
5.490% APR
Rate5.490%
Auto Loan 72 Months
auto_any_84mo
6.240% APR
Rate6.240%
Auto Loan 84 Months
auto
7.990% APR
Rate7.990%
ATVs
auto
7.990% APR
Rate7.990%
Motorcycles
auto
7.990% APR
Rate7.990%
Personal Watercraft
auto
7.990% APR
Rate7.990%
Snowmobiles
auto
8.490% APR
Rate8.490%
Boats
auto
8.490% APR
Rate8.490%
Camper Trailers
auto
8.490% APR
Rate8.490%
Fifth Wheels
auto
8.490% APR
Rate8.490%
Motorhomes
auto
8.490% APR
Rate8.490%
Side-by-sides

HELOC Rates

Rates as of July 15, 2026

heloc_variable
6.750% APR
Rate6.750%
HELOC 20-Year Term (10-Year Draw)
heloc
7.500% APR
Rate7.500%
6-Year Balloon (15-year amortization)
heloc
7.750% APR
Rate7.750%
6-Year Balloon (30-year amortization)

Personal Loan Rates

Rates as of July 15, 2026

personal_unsecured_24mo
12.140% APR
Rate12.140%
24-Month Fixed-Rate Signature Loan
personal_unsecured_24mo
12.140% APR
Rate12.140%
24-Month Signature Loan
personal_unsecured_36mo
12.240% APR
Rate12.240%
36-Month Fixed-Rate Signature Loan
personal_unsecured_36mo
12.240% APR
Rate12.240%
36-Month Signature Loan
personal_unsecured_48mo
12.490% APR
Rate12.490%
48-Month Fixed-Rate Signature Loan
personal_unsecured_48mo
12.490% APR
Rate12.490%
48-Month Signature Loan
personal_unsecured_60mo
12.990% APR
Rate12.990%
60-Month Fixed-Rate Signature Loan
personal_unsecured_60mo
12.990% APR
Rate12.990%
60-Month Signature Loan

Student Loan Rates

Rates as of July 15, 2026

savings
0.050% APR
Rate0.050%
Student Savings

Frequently Asked Questions

What rates does Deseret First offer?

Deseret First currently offers mortgage, auto loan, HELOC, personal loan, and student loan rates. The rates shown on this page were last verified July 15, 2026 directly from the credit union's official website.

How often are Deseret First rates updated?

RateAPI verifies Deseret First's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 15, 2026.

Where does RateAPI get Deseret First's rate data?

Rate data is collected directly from Deseret First's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Deseret First's mortgage rate?

As of July 15, 2026, Deseret First offers a 30-year-fixed mortgage at 6.115% APR.

What is Deseret First's auto loan rate?

As of July 15, 2026, Deseret First offers auto loans from 4.74% APR.

Related Rate Data

Compare Deseret First's rates against national credit-union benchmarks.

More Utah credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

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# Get rates for Deseret First
curl "https://api.rateapi.dev/credit-unions/utah/deseret-first" \
  -H "Authorization: Bearer YOUR_API_KEY"
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