--- title: "Hercules First Credit Union: #1 Mortgage in Utah" description: "Hercules First Credit Union has the lowest tracked 30-year fixed mortgage rate in Utah (6.25% APR) among 7 credit unions we verify. Hercules First Credit Union rates today: mortgage 6.00% APR, vehicle loans from 4.94% APR, personal loans from 8.79% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Hercules First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/hercules-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hercules First Credit Union: #1 Mortgage in Utah ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **1st Mortgage Rates (15 year)** other | 6.000% APR | 6.000% | — | Standard | | **1st Mortgage Rates (20 year)** other | 6.125% APR | 6.125% | — | Standard | | **1st Mortgage Rates (30 year)** other | 6.250% APR | 6.250% | — | Standard | | **Mortgage** other | 6.500% APR | 6.500% | — | Standard | | **2nd Mortgage Rates (5 year)** other | 6.740% APR | 6.740% | — | Standard | | **2nd Mortgage Rates (10 year)** other | 7.240% APR | 7.240% | — | Standard | | **2nd Mortgage Rates (15 year)** other | 7.740% APR | 7.740% | — | Standard | Hercules First Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan** auto_any_48mo | 4.940% APR | 4.940% | 48 mo | Standard | | **Auto Loan** auto | 5.240% APR | 5.240% | — | Standard | | **60-Month Auto Loan** auto_any_60mo | 5.240% APR | 5.240% | 60 mo | Standard | | **72-Month Auto Loan** auto_any_72mo | 5.740% APR | 5.740% | 72 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | 6.240% APR | 6.240% | 84 mo | Standard | | **84-Month RV Loan** rv_any_84mo | 6.840% APR | 6.840% | 84 mo | Standard | | **120-Month RV Loan** rv_any_120mo | 7.540% APR | 7.540% | 120 mo | Standard | | **144-Month RV Loan** rv_any_144mo | 7.940% APR | 7.940% | 144 mo | Standard | Hercules First Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **12-Month Signature Loan** personal_unsecured_12mo | 8.790% APR | 8.790% | 12 mo | Standard | | **36-Month Signature Loan** personal_unsecured_36mo | 9.790% APR | 9.790% | 36 mo | Standard | | **48-Month Signature Loan** personal_unsecured_48mo | 10.290% APR | 10.290% | 48 mo | Standard | | **60-Month Signature Loan** personal_unsecured_60mo | 10.790% APR | 10.790% | 60 mo | Standard | | **72-Month Signature Loan** personal_unsecured_72mo | 11.290% APR | 11.290% | 72 mo | Standard | Hercules First Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Hercules First Credit Union offers mortgage rates from 6% APR. Vehicle loans available from 4.94% APR for 48 months. Personal loan rates from 8.79% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/hercules-first) , verified from [Hercules First Credit Union's official website](https://herculescu.com/) Best product position **#1 of 7** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **88 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Utah markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.25% | #1 of 7 · lowest in Utah | State market leader | 88 bp better than median | | personal loan | 8.79% | Better than the Utah median | 480 bp from state best | 245 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Hercules First Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=hercules-first&state=utah&code=UT&name=Hercules%20First%20Credit%20Union) Loading branch locator… ## About Hercules First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.7K Assets $164.4M Founded 1973 Locations reported 3 NCUA charter 24902 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Mountain America** 0106 Taylorsville 5400 S · Taylorsville · UT · 84129-2263 About 0.2 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**America First** Taylorsville · Taylorsville · UT · 84129 About 0.2 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Granite** Taylorsville Branch · West Valley City · UT · 84129-2525 About 1.0 miles away](https://rateapi.dev/credit-unions/utah/granite) [**Security Service** Westwood · Taylorsville · UT · 84129 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/security-service) [**Deseret First** Taylorsville · Taylorsville · UT · 84129 About 1.0 miles away](https://rateapi.dev/credit-unions/utah/deseret-first) [**Cyprus** 4700 South · Taylorsville · UT · 84129 About 1.2 miles away](https://rateapi.dev/credit-unions/utah/cyprus) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Hercules First Credit Union Membership eligibility from Hercules First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hercules First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location salt lake, davis, tooele, utah — UT Verified from [Hercules First Credit Union's membership page](https://herculescu.com/getting-started/) . Final membership determination is always made by the credit union. ## Membership rules for Hercules First Credit Union Geography 4 counties · Family 21 published paths to membership, last verified November 8, 2026, quoted from Hercules First Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Davis County, UT - Salt Lake County, UT - Tooele County, UT - Utah County, UT “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Salt Lake County, UT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Immediate family members of current members.” > [source ↗](https://herculescu.com/getting-started/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Hercules First Credit Union? Yes No ## Work at Hercules First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Hercules First Credit Union ranks against Utah peers. - See which AI assistants fetched Hercules First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Utah - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hercules-first&state=utah&code=UT&name=Hercules%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hercules First Credit Union offer? Hercules First Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Hercules First Credit Union rates updated? RateAPI verifies Hercules First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Hercules First Credit Union's rate data? Rate data is collected directly from Hercules First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Hercules First Credit Union's mortgage rate? As of November 12, 2026, Hercules First Credit Union offers mortgage rates from 6% APR. ### What are Hercules First Credit Union's auto & rv loan rates? As of November 12, 2026, Hercules First Credit Union offers vehicle loans from 4.94% APR. ### What is Hercules First Credit Union's personal loan rate? As of November 12, 2026, Hercules First Credit Union offers personal loans from 8.79% APR. ### Who can join Hercules First Credit Union? Hercules First Credit Union publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 4 counties for Hercules First Credit Union, each quoted from Hercules First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Hercules First Credit Union's rates against national credit-union benchmarks. [More Utah credit unions](https://rateapi.dev/credit-unions/utah) [Utah mortgage rate leaders](https://rateapi.dev/mortgage-rates/utah) [Utah auto loan rate leaders](https://rateapi.dev/auto-loan-rates/utah) [Utah personal loan leaders](https://rateapi.dev/personal-loan-rates/utah) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://herculescu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Hercules First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Utah credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Hercules First Credit Union curl "https://api.rateapi.dev/credit-unions/utah /hercules-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hercules First Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/utah/hercules-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp