--- title: "Wasatch Peaks Credit Union: #1 Mortgage in Utah" description: "Wasatch Peaks Credit Union has the lowest tracked 30-year fixed mortgage rate in Utah (6.25% APR) among 7 credit unions we verify. Wasatch Peaks Credit Union rates today: 30 year fixed mortgage 6.25% APR, vehicle loans from 4.99% APR, savings & CDs up to 0.94% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Wasatch Peaks Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/wasatch-peaks" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Wasatch Peaks Credit Union: #1 Mortgage in Utah ### Mortgage rates 18 offers | Product | Published | Rate | Term / condition | Status | | **30-Yr Fixed Long Term** 30 year fixed | 6.250% APR | 6.240% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.590% | — | Standard | | **15-Yr Fixed - 2nd Mortgage** 15 year fixed | — APR | 8.340% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.990% | — | Standard | | **10-Yr Fixed - 2nd Mortgage** 10 year fixed | — APR | 7.240% | — | Standard | | **5-Yr Fixed - 1st Mortgage** other | — APR | 5.490% | — | Standard | | **7-Yr Fixed - 1st Mortgage** other | — APR | 5.650% | — | Standard | | **9-Month Construction** other | — APR | 5.750% | — | Standard | | **10-Yr Improved Lot** other | — APR | 6.250% | — | Standard | | **12-Month Construction** other | — APR | 6.500% | — | Standard | | **20-Yr Improved Lot** other | — APR | 6.740% | — | Standard | | **30-Yr Improved Lot** other | — APR | 6.990% | — | Standard | | **7-Yr Fixed - 2nd Mortgage** other | — APR | 7.150% | — | Standard | | **5-Yr Fixed - 2nd Mortgage** other | — APR | 7.150% | — | Standard | | **Mortgage** other | — APR | 7.250% | — | Standard | | **Unimproved/Raw Land** other | — APR | 8.500% | — | Standard | Wasatch Peaks Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Auto Loan** auto | 4.990% APR | 4.990% | — | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **RV Loan** rv | — APR | 7.490% | — | Standard | | **48-Month Auto Loan** auto_any_48mo | 7.490% APR | 4.990% | 48 mo | Standard | | **Personal Watercraft** boat_any_60mo | 7.490% APR | 7.490% | 60 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | 7.490% APR | 7.490% | 60 mo | Standard | | **Snowmobile** powersports_any_60mo | — APR | 7.490% | 60 mo | Standard | Wasatch Peaks Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.250% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | Wasatch Peaks Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature/ Personal Loan** personal_unsecured | — APR | 11.500% | — | Standard | | **Overdraft LOC** personal | — APR | 15.900% | — | Standard | Wasatch Peaks Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Visa® No Cash Back** credit_card_cash_back | — APR | 11.490% | — | Standard | | **Visa® Summit Rewards** credit_card_rewards | — APR | 12.490% | — | Standard | | **Business Visa® No Cash Back** credit_card_business | — APR | 13.750% | — | Standard | | **Visa® 1% Cash Back** credit_card_cash_back | — APR | 14.990% | — | Standard | Wasatch Peaks Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Traditional/ Roth/ Educational IRA** ira | 0.05% APY | 0.05% | — | Standard | | **Money Market** money_market | 0.94% APY | 0.95% | — | Standard | Wasatch Peaks Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Down Payment Required** other | — % | 3.500% | — | Standard | Wasatch Peaks Credit Union other rates as of November 12, 2026 As of November 12, 2026, Wasatch Peaks Credit Union offers a 30-year fixed mortgage at 6.25% APR. Vehicle loans available from 4.99% APR. Savings and certificate yields up to 0.94% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/wasatch-peaks) , verified from [Wasatch Peaks Credit Union's official website](https://www.wasatchpeaks.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 **1** 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 | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Wasatch Peaks 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=wasatch-peaks&state=utah&code=UT&name=Wasatch%20Peaks%20Credit%20Union) Loading branch locator… ## About Wasatch Peaks Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 32K Assets $658.2M Founded 1930 Locations reported 6 NCUA charter 24780 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. [**Ascent** WSU UNION BUILDING · OGDEN · UT · 84408-0001 About 3.0 miles away](https://rateapi.dev/credit-unions/utah/ascent) [**Education 1st** Ogden High School · Ogden · UT · 84403 About 3.1 miles away](https://rateapi.dev/credit-unions/utah/education-1st) [**Goldenwest** Harrison Br · Ogden · UT · 84403 About 3.1 miles away](https://rateapi.dev/credit-unions/utah/goldenwest) [**Granite** Ogden Rancho Markets Office · Ogden · UT · 84401-2523 About 3.5 miles away](https://rateapi.dev/credit-unions/utah/granite) [**America First** Ogden Harrison · Ogden · UT · 84403 About 4.1 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Mountain America** 0009 Ogden Washington Blvd · Ogden · UT · 84401 About 4.4 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) 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 Wasatch Peaks Credit Union Membership eligibility from Wasatch Peaks Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Wasatch Peaks Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Trails Foundation of Northern Utah, Community Impact Fund Verified from [Wasatch Peaks Credit Union's membership page](https://www.wasatchpeaks.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Wasatch Peaks Credit Union Geography 1 county · Associations 2 · Family 4 published paths to membership, last verified August 21, 2026, quoted from Wasatch Peaks Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Weber County, UT “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Weber County, UT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Trails Foundation of Northern Utah “Member of Trails Foundation of Northern Utah (TFNU.org), a 501(c)(3) NGO functions as a planner, promoter, constructor, and protector of a network of public paths, trails, and related open spaces for non-motorized use.” > [source ↗](https://www.wasatchpeaks.com/membership) - Member of Trails Foundation of Northern Utah - Member of Community Impact Fund “You can also become eligible to join by supporting the Community Impact Fund. This option is available at no cost.” > [source ↗](https://www.wasatchpeaks.com/membership) - Member of Community Impact Fund ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member parent, child, sibling, spouse, grandparent, grandchild “You are an immediate family member of an existing member-owner: parent, child, brother, sister, spouse or surviving spouse, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.” > [source ↗](https://www.wasatchpeaks.com/membership) - Family member (parent, child, sibling, spouse, grandparent, grandchild) 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 Wasatch Peaks Credit Union? Yes No ## Work at Wasatch Peaks 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 Wasatch Peaks Credit Union ranks against Utah peers. - See which AI assistants fetched Wasatch Peaks 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=wasatch-peaks&state=utah&code=UT&name=Wasatch%20Peaks%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Wasatch Peaks Credit Union offer? Wasatch Peaks Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Wasatch Peaks Credit Union rates updated? RateAPI verifies Wasatch Peaks 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 Wasatch Peaks Credit Union's rate data? Rate data is collected directly from Wasatch Peaks 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 Wasatch Peaks Credit Union's mortgage rate? As of November 12, 2026, Wasatch Peaks Credit Union offers a 30-year fixed mortgage at 6.25% APR. ### What are Wasatch Peaks Credit Union's auto, rv, boat, motorcycle & powersports loan rates? As of November 12, 2026, Wasatch Peaks Credit Union offers vehicle loans from 4.99% APR. ### What is Wasatch Peaks Credit Union's best CD rate? As of November 12, 2026, Wasatch Peaks Credit Union offers savings and certificate (CD) yields up to 0.94% APY. ### Who can join Wasatch Peaks Credit Union? Wasatch Peaks Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 county and 2 associations for Wasatch Peaks Credit Union, each quoted from Wasatch Peaks Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Wasatch Peaks 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 HELOC rate leaders](https://rateapi.dev/heloc-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) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.wasatchpeaks.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 Wasatch Peaks 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 Wasatch Peaks Credit Union curl "https://api.rateapi.dev/credit-unions/utah /wasatch-peaks " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Wasatch Peaks Credit Union locations Search, filter, and browse all 6 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/wasatch-peaks Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp