Introduction
As of January 14, 2026, savvy vehicle buyers can score some impressive financing deals at credit unions nationwide. The standout offer today is from United Heritage, boasting the lowest auto loan APR starting at an incredibly low 1.99%, making it a prime choice for anyone looking to save on their next car purchase. Motorcycle enthusiasts should also note United Heritage’s steady rates beginning at 5.90%, while families eyeing recreational vehicles will find competitive options like Atomic’s recreational loans hovering between 7.99% and 9.21%. Notably, VyStar’s auto loan rate dropped sharply from a high range last week down to a flat 2.94%, marking a significant opportunity for quick decision-makers. Meanwhile, INTOUCH shows slight tightening in its auto loan spread this month, with rates now as low as 3.74%. Whether you’re buying new or used, these current rates suggest that locking in a loan sooner rather than later could lead to meaningful savings, especially given some programs have held steady for over a month without upward shifts.
Used - Vehicle Loans
Credit Union
Product
2026-01-14
(Current Day)
(Current Day)
2026-01-07
(7 Days Ago)
(7 Days Ago)
2025-12-30
(15 Days Ago)
(15 Days Ago)
2025-12-15
(30 Days Ago)
(30 Days Ago)
2025-11-30
(45 Days Ago)
(45 Days Ago)
2025-11-15
(60 Days Ago)
(60 Days Ago)
2025-10-16
(90 Days Ago)
(90 Days Ago)
2025-07-18
(180 Days Ago)
(180 Days Ago)
Auto
1.99 - 5.95
3.99 - 5.95▲ 200 bps
3.99 - 5.95▲ 200 bps
3.99 - 5.95▲ 200 bps
3.99 - 5.95▲ 200 bps
3.99 - 5.95▲ 200 bps
3.99 - 5.95▲ 200 bps
Motorcycle
5.90 - 10.40
5.90 - 10.40
5.90 - 10.40
5.90 - 10.40
5.90 - 10.40
5.90 - 10.40
5.90 - 10.40
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
2.10 - 11.25
Auto
5.49 - 5.83
5.49 - 5.83
5.49 - 5.83
5.49 - 5.83
5.49 - 5.83
5.49 - 5.83
5.49 - 5.83
Motorcycle
9.50 - 9.88
9.50 - 9.88
9.50 - 9.88
9.50 - 9.88
9.50 - 9.88
9.50 - 9.88
9.50 - 9.88
Other
2.50 - 13.21
2.50 - 13.21
2.50 - 13.21
2.50 - 13.21
2.50 - 13.21
2.50 - 13.21
2.50 - 13.21
Recreational
7.99 - 9.21
7.99 - 9.21
7.99 - 9.21
7.99 - 9.21
7.99 - 9.21
7.99 - 9.21
7.99 - 9.21
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
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
8.24 - 9.24
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
3.99 - 18.00▲ 50 bps
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
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
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 - 4.49
3.74 - 4.49
3.74 - 4.49
3.74 - 3.99
3.74 - 3.99
3.74 - 3.99
3.99 - 4.49▲ 25 bps
Motorcycle
5.00 - 6.49
5.49 - 6.49▲ 49 bps
5.49 - 6.49▲ 49 bps
5.49 - 6.49▲ 49 bps
4.49 - 5.99▼ 51 bps
4.49 - 6.49▼ 51 bps
5.99▲ 99 bps
Other
4.50 - 7.49
5.49 - 7.49▲ 99 bps
6.99▲ 249 bps
4.99 - 5.99▲ 49 bps
4.99 - 5.99▲ 49 bps
4.99 - 5.99▲ 49 bps
6.49▲ 199 bps
Recreational
4.25 - 6.49
4.49 - 6.49▲ 24 bps
5.49 - 6.49▲ 124 bps
4.49 - 5.49▲ 24 bps
4.49 - 5.49▲ 24 bps
4.49 - 5.49▲ 24 bps
5.49▲ 124 bps
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
3.99 - 9.79▲ 25 bps
UNITED HERITAGE CREDIT UNION
As of January 14, 2026, UNITED HERITAGE’s Used Auto loan rates have improved significantly, dropping from a previous 3.99-5.95% range to a new low of 1.99-5.95% APR. This notable decrease enhances affordability for members seeking used vehicles. Meanwhile, Used Motorcycle loan rates remain steady at 5.90-10.40% APR with no changes over the past month. Members looking to reduce monthly payments should consider these competitive Used Auto loans with lower starting rates. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of January 14, 2026, MARINE's used auto loan rates remain steady, holding firm at 2.10% to 11.15% APR over the past 30 days with no fluctuations. This consistent rate range offers members reliable financing options for used vehicles. For those seeking affordable financing, focusing on loans near the 2.10% APR can provide significant savings. Review loan terms carefully to balance monthly payments and total interest costs effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 14, 2026, used vehicle loan rates at ATOMIC remain stable, with no changes over the past 30 days. Used Auto loans offer competitive APRs between 5.49% and 5.83%, presenting an affordable financing option for members. For those seeking flexibility, the Other vehicle loan category spans a wide range from 2.50% to 13.21%, accommodating various credit profiles and needs. Consider longer-term loans if you want to lower monthly payments while maintaining steady rates. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of January 14, 2026, VYSTAR's used auto loan APR remains steady at 2.94%, showing no change over the past 30 days. This stable, low rate offers members affordable financing options for used vehicles. For those seeking cost-effective loans, locking in this competitive APR could be beneficial. Consider reviewing your loan term preferences to optimize monthly payments while taking advantage of these rates. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
Used vehicle loan rates at DEL NORTE remain steady this week. Used auto loans continue to offer the most affordable APR range from 2.99% to 12.64%, unchanged over the past 30 days. The motorcycle loan rates hold firm between 7.49% and 8.49%, while recreational loans also stay consistent at 8.24% to 9.24%. Notably, the Other vehicle loan category increased to 10.18%, up from as low as 7.49% fifteen days ago. For members seeking lower monthly payments, exploring longer-term used auto loans may be beneficial. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
SHELL FEDERAL CREDIT UNION
As of January 14, 2026, SHELL's Used Auto Loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This range offers flexibility for members seeking affordable financing options across various credit profiles. For those aiming to lower monthly payments, consider longer-term loan options, which may provide better budgeting control despite potential rate variations. Monitoring these stable rates can help members plan their vehicle purchases with confidence. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
As of January 14, 2026, NECHES used vehicle loan rates remain steady, with Auto loans at 3.50% to 5.25% APR and Other vehicle loans ranging from 3.50% to 6.50% APR. There have been no rate changes over the past 30 days, providing consistent borrowing costs for members. The used auto loan offers the most affordable rates, ideal for members seeking predictable payments. For those exploring financing options, consider longer terms to manage monthly expenses effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of January 14, 2026, used auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 6.75% APR, showing no change over the past 30 days. This stability offers members consistent affordability when financing pre-owned vehicles. For those seeking predictable payments, locking in current rates could be beneficial given no recent fluctuations. Members may also want to explore longer terms to lower monthly obligations while maintaining these competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
For used vehicle loans at INTOUCH, Auto loan rates remain steady at 3.74% to 4.49%, holding the lowest APR range and offering strong value for members. Motorcycle rates decreased by up to 49 basis points over the past week, now ranging from 5.00% to 6.49%. The Other category saw a notable drop from 6.99% to a 4.50%, 7.49% range in the last 15 days, enhancing affordability options. Recreational loan rates also improved slightly, down from 5.49% to a current 4.25%, 6.49%. Consider locking in current rates soon to benefit from recent declines. For more details, visit https://www.itcu.org/vehicle-loans,
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady at 3.74% to 9.79% APR with no changes over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordability, the current lowest rates provide a clear advantage. Consider comparing term lengths to balance monthly payments and total interest paid effectively. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
LendMesh
Whether you’re dreaming of your first car or your tenth, LendMesh helps you get behind the wheel without overspending. Our platform lets you shop and compare vehicle loans without the usual pressure. Ready to shift gears? Visit https://www.lendmesh.com/loans/vehicle_loans today.
Conclusion
Looking ahead, if you’re in the market for a vehicle, now is an excellent time to explore credit union financing options with rates near historic lows, particularly those under 3%. Consider refinancing existing auto loans if your rate is above today’s best offers like United Heritage’s 1.99%. For motorcycle and recreational vehicle buyers, monitoring small weekly fluctuations can pay off; even a few basis points can reduce your monthly payment significantly over time. Keep an eye on credit unions like VyStar and INTOUCH where rate adjustments happen quickly, giving you a chance to strike when conditions are most favorable. Most importantly, get pre-approved before shopping to lock in these attractive rates and strengthen your negotiating position with sellers. With the current landscape favoring borrowers who act promptly and informedly, taking strategic steps now can maximize your savings on your next vehicle investment.