Introduction
As of January 9, 2026, savvy vehicle buyers can take advantage of some impressive financing options across credit unions. The standout deal today is from MARINE Credit Union, offering an ultra-low auto loan APR starting at just 2.10%, perfect for anyone looking to save big on their next car purchase. VYSTAR also offers a competitive fixed rate at 2.94% for auto loans, maintaining stability from last week but significantly better than its higher rates seen a month ago. Motorcycle enthusiasts should keep an eye on INTOUCH’s motorcycle loans, which stay steady at 5.49% - 6.49% APR, while those considering recreational vehicles can explore DEL NORTE’s range starting at 7.49% APR. Notably, most credit unions have held their rates steady over the past month, meaning no surprises but plenty of opportunity to lock in favorable terms now. For families and individuals looking for flexibility, ATOMIC’s diverse offerings cover auto loans from 5.49% and other vehicle types up to 13.21% APR, providing options for all budgets and needs. If you’re planning your next purchase or refinancing, knowing these rates helps you make informed choices and potentially save hundreds over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2026-01-09
(Current Day)
(Current Day)
2026-01-02
(7 Days Ago)
(7 Days Ago)
2025-12-25
(15 Days Ago)
(15 Days Ago)
2025-12-10
(30 Days Ago)
(30 Days Ago)
2025-11-25
(45 Days Ago)
(45 Days Ago)
2025-11-10
(60 Days Ago)
(60 Days Ago)
2025-10-11
(90 Days Ago)
(90 Days Ago)
2025-07-13
(180 Days Ago)
(180 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
3.99 - 12.64▲ 100 bps
Recreational
7.49 - 9.24
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
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
3.49 - 18.00
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
Auto
3.49 - 7.54
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
3.64 - 6.44▲ 15 bps
Motorcycle
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
4.49 - 5.99▼ 100 bps
5.49 - 6.49
Other
5.49 - 7.49
5.49 - 7.49
5.49 - 6.99
4.99 - 5.99▼ 50 bps
4.99 - 6.49▼ 50 bps
5.99▲ 50 bps
Auto
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
Auto
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
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
3.50 - 6.50
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 bps
MARINE FEDERAL CREDIT UNION
As of January 9, 2026, MARINE's new auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This stability provides predictability for members seeking affordable financing options. The lowest rate of 2.10% APR continues to be the most cost-effective choice for qualifying borrowers. Members considering vehicle purchases should review loan terms carefully and explore longer-term options to manage monthly payments effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 9, 2026, ATOMIC’s new vehicle loan rates remain steady across all categories with no changes over the past 30 days. New Auto loans hold at 5.49% to 5.83% APR, offering a reliable financing option for members. The most affordable range appears in the Other vehicle loans at 2.50% to 13.21% APR, reflecting wide options tailored to diverse needs. Members seeking predictable payments should consider these stable rates, especially on auto loans. For varied financing needs, reviewing the full rate spectrum for other and recreational loans can help optimize costs. Check long-term loan options if you prefer lower monthly payments. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of January 9, 2026, VYSTAR's new auto loan APR remains steady at 2.94%, unchanged from 7 and 15 days ago. This consistent low rate offers members affordable financing for new vehicles compared to rates from 30 days ago, which ranged between 5.44% and 8.59%. Members seeking cost-effective financing should consider locking in these stable rates now. For those aiming to manage monthly payments, exploring longer-term loan options could provide additional flexibility. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
As of January 9, 2026, DEL NORTE’s new auto loan rates remain steady at 2.99% to 12.64% APR, offering consistent affordability for members. The motorcycle loan range holds at 7.49% to 8.49% APR, unchanged from 30 days ago. Notably, the other vehicle loan rate rose to a fixed 10.18% APR from a previous low of 7.49%. Meanwhile, recreational loans decreased slightly to a range of 7.49% to 9.24% APR, improving financing options in this category. Members should consider longer-term loans for lower monthly payments and stable rates on new autos and motorcycles. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
TYNDALL FEDERAL CREDIT UNION
As of January 9, 2026, TYNDALL's new auto loan rates remain steady, holding at 3.24% to 6.24% APR, unchanged from the past 15 days and slightly improved from 6.74% thirty days ago. This stability offers members consistent financing terms for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term options within this rate range. New auto loans provide affordable entry points for financing your next vehicle purchase with predictable costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of January 9, 2026, SHELL’s new auto loan rates remain steady, holding at 3.49% to 18.00% APR with no changes over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. Members seeking affordable financing should consider the lower end of this range for best value. Additionally, exploring longer-term loans may help reduce monthly payments without impacting the stable APR environment. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
BAXTER CREDIT UNION
As of January 9, 2026, BAXTER’s new auto loan rates remain steady, ranging from 3.49% to 7.54% APR, consistent with rates over the past week and month. Notably, there was a slight dip to 3.24% at 15 days ago, indicating a recent minor increase back to current levels. Members seeking affordable financing should consider short-term loans near the lower APR range for cost efficiency. For those prioritizing manageable payments, reviewing longer-term options may provide balance between rate and monthly expense. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
INTOUCH CREDIT UNION
As of January 9, 2026, new auto loan rates remain steady between 3.49% and 3.99%, maintaining their affordability over the past month. Motorcycle loan rates hold firm at 5.49% to 6.49%, showing no change in 30 days. Notably, “Other” vehicle loans saw a rate increase at the upper end from 5.99% to 7.49% compared to a month ago, indicating higher borrowing costs for these types. Recreational loans also rose on the high end from 5.49% to 6.49% in the last 30 days. Members seeking lower monthly payments should consider locking in current auto loan rates while they remain stable. For more details, visit https://www.itcu.org/vehicle-loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
POLISH & SLAVIC’s new auto loan rates remain steady at 3.50% to 5.99% APR with no changes over the past 30 days. This consistent range offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordable monthly payments, exploring longer-term loan options could provide additional budgeting flexibility. Staying informed on these stable rates helps members plan their vehicle purchase confidently. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
As of January 9, 2026, NECHES new vehicle loan rates remain steady with Auto loans ranging from 3.50% to 5.25% APR and Other vehicle loans between 3.50% and 6.50% APR over the past 30 days. These consistent rates offer reliable financing options for members seeking affordability. For those prioritizing lower monthly payments, consider exploring longer-term loans within these products to optimize your budget. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
LendMesh
You wouldn’t buy the first car you test drive—so why settle for the first loan you see? LendMesh helps you shop smarter by comparing vehicle loan rates from multiple lenders. It’s fast, simple, and tailored to you. Start now at https://www.lendmesh.com/loans/vehicle_loans and find your best fit.
Customers Also Interested In
Conclusion
Looking ahead, now is an excellent time to explore refinancing or new vehicle financing with credit unions offering consistently low rates like MARINE’s 2.10% auto loans or VYSTAR’s solid 2.94%. If your current loan rate is higher than today’s market, consider refinancing to reduce monthly payments and overall interest costs. For motorcycle buyers and recreational vehicle owners, locking in rates before any potential hikes keeps your budget predictable. Keep an eye on credit union rate trends, while many have remained stable this month, shifts can happen as economic factors evolve. Start your application process early to secure these competitive terms before they change. Whether you’re upgrading your family vehicle or adding a motorcycle to your collection, using credit unions’ tailored programs can offer both savings and personalized service that banks often don’t match. Stay informed, compare options carefully, and leverage these strong deals to get the best value on your next vehicle loan.