Introduction
As of January 7, 2026, car shoppers and vehicle enthusiasts have some exciting financing options to consider. Marine Credit Union leads the pack with the lowest auto loan APR starting at an incredibly low 2.10%, providing a fantastic opportunity for buyers looking to save on interest. Motorcycle buyers can look to Atomic Credit Union, where rates remain steady between 9.50% and 9.88%, while recreational vehicle loans from Del Norte and Intouch offer competitive ranges under 10%. Notably, Neches Credit Union’s auto rates have tightened slightly from last month, dropping their upper APR limit by about 25 basis points to as low as 5.25%, making it a solid choice for moderate-rate financing. If you’re hunting for variety, Atomic’s broad range on “Other” loans (2.50% - 13.21%) could fit niche purchases like specialty vehicles or equipment. Overall, today’s stable rates with minimal changes mean it’s a great time to shop smart, lock in low APRs like Marine’s 2.10% and keep an eye on credit unions offering flexible terms tailored to your vehicle needs.
Used - Vehicle Loans
Credit Union
Product
2026-01-07
(Current Day)
(Current Day)
2025-12-31
(7 Days Ago)
(7 Days Ago)
2025-12-23
(15 Days Ago)
(15 Days Ago)
2025-12-08
(30 Days Ago)
(30 Days Ago)
2025-11-23
(45 Days Ago)
(45 Days Ago)
2025-11-08
(60 Days Ago)
(60 Days Ago)
2025-10-09
(90 Days Ago)
(90 Days Ago)
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
6.19 - 12.64▲ 320 bps
Recreational
8.24 - 9.24
8.24 - 9.24
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 - 7.24
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
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
Auto
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
3.75 - 5.50▲ 25 bps
3.75 - 5.50▲ 25 bps
3.75 - 5.50▲ 25 bps
Other
3.50 - 6.50
3.50 - 6.50
3.50 - 6.50
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 bps
Auto
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
Auto
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
Motorcycle
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
4.49 - 7.49▼ 100 bps
6.49▲ 100 bps
Other
5.49 - 7.49
6.99▲ 150 bps
5.49 - 6.99
4.99 - 5.99▼ 50 bps
4.99 - 6.49▼ 50 bps
5.99▲ 50 bps
Recreational
4.49 - 6.49
5.49 - 6.49▲ 100 bps
4.49 - 6.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
MARINE FEDERAL CREDIT UNION
As of January 7, 2026, MARINE’s used auto loan rates remain steady, holding between 2.10% and 11.15% APR with no changes over the past 30 days. This consistent range provides members with clear expectations for financing costs. For those seeking affordable options, the low-end rate at 2.10% APR offers strong value. Consider shorter-term loans if you want to minimize interest expense or explore longer terms for lower monthly payments. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 7, 2026, ATOMIC's used vehicle loan rates remain steady with no changes over the past 30 days. The Used Auto Loan APR ranges from 5.49% to 5.83%, offering consistent affordability for members. For more specialized needs, Recreational loans range between 7.99% and 9.21%, while Motorcycle loans hold at 9.50% to 9.88%. The broad Other loan category spans 2.50% to 13.21%, providing flexible options depending on credit and vehicle type. Members seeking lower monthly payments should consider longer terms within these stable rate ranges for better budgeting control. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
DEL NORTE CREDIT UNION
As of January 7, 2026, DEL NORTE’s used auto loan rates remain steady between 2.99% and 12.64% APR, offering the most affordable financing option for members. Motorcycle loan rates hold at 7.49% to 8.49% APR, unchanged from 30 days ago. The Other vehicle loan rate rose to a fixed 10.18% APR from a previous range, suggesting a tightening in that category. Recreational loans stay consistent between 8.24% and 9.24% APR. Members seeking lower payments should consider used auto loans due to their stable, competitive rates. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
Used Auto loans at TYNDALL remain steady with APRs ranging from 3.24% to 6.24%, unchanged over the past 15 days and down from 7.24% a month ago. This stability offers members consistent financing costs, with the lower rates presenting affordable options for used vehicle purchases. Members considering long-term plans should review loan terms closely to balance monthly payments and interest costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of January 7, 2026, SHELL's used auto loan rates remain steady, with APRs ranging from 3.49% to 18.00%, showing no change over the past 30 days. This consistency offers members predictable financing options for used vehicles. For those seeking affordability, the lower APR tier at 3.49% represents the most cost-effective choice. Consider longer-term loans to reduce monthly payments while managing overall interest costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this week. Used Auto loans hold firm at 3.50% to 5.25% APR, unchanged over the past 15 days but improved by up to 25 basis points compared to 30 days ago. The Other used vehicle loans also stayed stable at 3.50% to 6.50% APR, reflecting a notable drop from last month’s higher rates. Members seeking affordable financing should consider used auto loans for competitive, consistent rates. For longer terms or specialized vehicles, review the Other category carefully to find suitable options. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 3.50% to 6.75% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no rate changes recently, members can confidently plan their budgets without concern for rising costs. Consider checking longer loan terms if you want to reduce monthly payments while maintaining a fixed rate. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
As of January 7, 2026, COMMUNITY RESOURCE’s Used Auto Loan rates remain steady, holding at 3.74% to 9.79% APR with no changes over the past 30 days. This stability offers members consistent financing costs and predictable budgeting for used vehicles. For those seeking affordability, the lower end of the rate range provides competitive options. Consider longer loan terms to reduce monthly payments while managing interest costs effectively. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH remain mostly steady this week. The Used Auto Loan APR holds firm at 3.74 - 4.49%, maintaining its position as the most affordable option for members. Notably, the Other vehicle loan rate dropped from 6.99% to a range of 5.49 - 7.49%, reflecting increased flexibility for less common vehicles. Meanwhile, Recreational loan rates improved by about 1 percentage point compared to last week, now at 4.49 - 6.49%. Members seeking lower monthly payments should consider longer-term loans with these competitive APRs. For more details, visit https://www.itcu.org/vehicle-loans.
FIVEPOINT CREDIT UNION
As of January 7, 2026, FIVEPOINT’s used auto loan rates remain steady at 3.75% to 16.25% APR, with a slight improvement on the upper end compared to 30 days ago (previously 16.75%). This narrowing range suggests better affordability for members with stronger credit profiles. Members seeking lower monthly payments should consider longer-term options within this rate bracket to maximize savings. For transparent details on current used vehicle financing, visit https://www.5pointcu.org/rates-(1)/#autoloans.
LendMesh
Life moves fast—and so should your loan approval. LendMesh helps you access vehicle loans with quick responses and no confusion. Whether you need a car today or just want to plan ahead, start comparing rates at https://www.lendmesh.com/loans/vehicle_loans and take control of your next ride.
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Conclusion
Looking ahead, if you’re considering buying a new car or motorcycle soon, now is a smart moment to secure financing at historically favorable rates, especially through credit unions like Marine or Neches that offer strong deals on autos. For current loan holders, exploring refinancing options could lower your monthly payments by tapping into these low APRs, particularly if your existing rate is above the 3% to 4% range many credit unions currently offer. Keep an eye on your credit union's updates since small shifts in rates can create savings opportunities just like those seen with Neches recently tightening their spreads. Whether you’re buying family vehicles or recreational toys, working directly with credit unions gives you access to competitive rates plus personalized service that can make all the difference. Take advantage of today’s stable market conditions and plan ahead, your next vehicle purchase or refinance could be more affordable than you think!