Introduction
On January 2, 2026, vehicle shoppers can find some standout financing options at credit unions, with SKYLA Credit Union offering the lowest auto loan APRs starting as low as 1.99%, a fantastic rate for anyone buying a new or used car. Motorcycle buyers looking for competitive rates should consider INTOUCH, where motorcycle loans are currently as low as 6.49%. Recreational vehicle enthusiasts will find SKYLA’s RV loan rates attractive too, ranging from 5.99% to 7.99%. Notably, VYSTAR dropped its auto loan rate sharply from a high range last week down to a flat 2.94%, representing a significant opportunity for borrowers seeking affordable financing this week. While some credit unions like MARINE and SHELL maintain steady but wider rate ranges, the best chances to save lie with credit unions offering lower starting APRs and recent rate improvements. Whether you’re shopping for your next family car, motorcycle, or RV, today’s landscape is full of options to secure smart financing and keep monthly payments manageable.
New - Vehicle Loans
Credit Union
Product
2026-01-02
(Current Day)
(Current Day)
2025-12-26
(7 Days Ago)
(7 Days Ago)
2025-12-18
(15 Days Ago)
(15 Days Ago)
2025-12-03
(30 Days Ago)
(30 Days Ago)
2025-11-18
(45 Days Ago)
(45 Days Ago)
2025-11-03
(60 Days Ago)
(60 Days Ago)
2025-10-04
(90 Days Ago)
(90 Days Ago)
2025-07-06
(180 Days Ago)
(180 Days Ago)
Auto
1.99 - 2.75
1.99 - 2.75
3.99 - 4.99▲ 200 bps
3.99 - 5.50▲ 200 bps
3.99 - 5.50▲ 200 bps
3.99 - 5.50▲ 200 bps
4.25 - 5.75▲ 226 bps
Recreational
5.99 - 7.99
6.75 - 7.75▲ 76 bps
6.75 - 7.75▲ 76 bps
6.75 - 7.75▲ 76 bps
6.75 - 7.75▲ 76 bps
6.75 - 7.75▲ 76 bps
6.75 - 7.75▲ 76 bps
Auto
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
Auto
2.99 - 12.64
2.99 - 12.64
2.99 - 12.64
2.99 - 12.64
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
Recreational
8.24 - 9.24
7.49 - 9.24▼ 75 bps
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
Auto
3.24 - 6.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
Auto
3.49 - 18.00
3.49 - 18.00
3.49 - 18.00
3.49 - 18.00
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
Motorcycle
6.49 - 6.99
5.49 - 6.49▼ 100 bps
5.49 - 6.49▼ 100 bps
4.49 - 5.99▼ 200 bps
4.49 - 7.49▼ 200 bps
6.49
Other
5.49 - 7.99
5.49 - 6.99
5.49 - 6.99
4.99 - 5.99▼ 50 bps
4.99 - 6.49▼ 50 bps
5.49 - 5.99
Auto
3.49 - 7.54
3.24 - 7.54▼ 25 bps
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.64 - 6.44▲ 15 bps
Auto
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
SKYLA FEDERAL CREDIT UNION
As of January 2, 2026, SKYLA's new auto loan rates remain stable at 1.99% to 2.75% APR, marking a significant improvement from 3.99% to 4.99% fifteen days ago. This presents an excellent opportunity for members seeking affordable financing on new vehicles. Conversely, new recreational vehicle loan rates increased slightly to 5.99% to 7.99% APR from last week's 6.75% to 7.75%. Members looking for the best value should consider locking in new auto loans now while rates are low. For more details, visit https://www.skylacu.com/borrow/auto-loans/new.
MARINE FEDERAL CREDIT UNION
As of January 2, 2026, MARINE's new auto loan rates remain steady, holding at 2.10% to 11.15% APR over the past 30 days. This stability offers members consistent financing options for new vehicles without rate fluctuations. For those seeking affordability, the low-end APR of 2.10% presents a competitive choice for qualified borrowers. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 2, 2026, ATOMIC’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans hold at 5.49 - 5.83% APR, offering competitive financing for most members. The Other vehicle loan category presents the widest APR range, from 2.50 up to 13.21%, catering to varied credit profiles. For those seeking specialty vehicles, Recreational loans are priced between 7.99 and 9.21% APR, while Motorcycle loans range from 9.50 to 9.88% APR. Consider longer-term loans for manageable monthly payments without rate fluctuations. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of January 2, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days and significantly lower than the previous range of 4.94% to 8.59%. This stable, low rate offers members an affordable financing option for new vehicles. For those seeking to manage monthly payments, exploring longer-term loans could provide additional savings. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
For January 2, 2026, DEL NORTE’s new auto loan rates remain steady at 2.99% to 12.64% APR, offering consistent affordability for members. The Other vehicle loan rates increased on the upper end from 8.49% to 10.18% APR over the last week, signaling higher costs for these loans. Meanwhile, Recreational loan rates saw a rise in the lower range from 7.49% to 8.24% APR compared to last week. Members seeking cost-effective financing should consider the stable new auto loans and explore longer terms to reduce monthly payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
For January 2, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.24% APR, unchanged from the past 7 and 15 days and a slight improvement from 6.74% APR 30 days ago. This stability offers members affordable financing options for new vehicles without rate increases. Consider locking in current rates now, especially if planning a purchase soon, as longer-term loans may provide more manageable monthly payments. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of January 2, 2026, SHELL’s new auto loan rates remain steady, ranging from 3.49% to 18.00% APR with no changes over the past 30 days. This consistency provides members with predictable financing costs for new vehicles. For those seeking the most affordable borrowing option, the 3.49% APR on new auto loans offers clear value. Members considering longer terms should evaluate loan durations to balance monthly payments and interest paid effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INTOUCH CREDIT UNION
As of January 2, 2026, new auto loan rates at INTOUCH remain steady at 3.49% to 5.24%, with the upper range rising slightly from 3.99% over the past week. Motorcycle loan rates increased notably, now ranging from 6.49% to 6.99%, up about 1% since 30 days ago. Other vehicle loans saw an uptick in the high end to 7.99% from 5.99% last month. Recreational loans edged higher to a top rate of 6.74% from 5.49%. For members seeking affordability, new auto loans offer the lowest rates; consider longer terms for lower payments. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
As of January 2, 2026, BAXTER’s new auto loan APR ranges from 3.49% to 7.54%, with the lower end rising slightly from 3.24% a week ago. Rates have remained steady over the past 15 and 30 days. Members seeking affordability should consider loans near the 3.49% APR for cost-effective financing. Review longer-term options to balance monthly payments with overall interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
New auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady at 3.50% to 7.25% APR over the past 30 days, offering consistent affordability for members financing new vehicles. With no rate changes recently, this stability benefits members seeking predictable financing costs. Consider longer-term loans if lower monthly payments are a priority. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Car shopping is exciting—until the financing part gets confusing. That’s where LendMesh comes in. We’ve built a platform that helps you compare real-time vehicle loan offers from trusted banks and credit unions—all in one place. Find the right rate and hit the road with confidence: https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an ideal time to explore refinancing existing loans if you secured rates above 3% recently, especially with SKYLA and VYSTAR offering sub-3% options that could lower your payments or shorten your loan term. For buyers ready to purchase soon, locking in one of these competitive low APRs can save hundreds over the life of your loan. Keep an eye on credit unions like INTOUCH and DEL NORTE for steady recreational and motorcycle loan offers if those vehicles are on your list. Remember that while ultra-low rates are enticing, evaluating loan terms and membership requirements is key before committing. If you’re not in a hurry, monitor weekly shifts closely, some lenders have shown the ability to adjust rates quickly, which could yield even better deals soon. Ultimately, staying informed and acting strategically with today’s favorable rates will help you drive away with the best financing deal possible.