Introduction
As of January 16, 2026, savvy vehicle shoppers have plenty to smile about with today’s competitive credit union loan rates. The standout deal goes to UNITED HERITAGE, offering an impressively low 1.99% APR on auto loans, making it one of the best options for families and car buyers aiming to save big on financing. Motorcycle enthusiasts can also find steady rates at ATOMIC, holding firm at 9.50% APR for motorcycle loans, while recreational vehicle buyers should check out INTOUCH’s reasonable 4.49% APR offer. Notably, ATOMIC’s auto loan rates have dropped sharply from over 5.49% a couple of weeks ago down to as low as 2.50% APR now, a significant improvement that could mean substantial savings on monthly payments. Meanwhile, VYSTAR’s auto loan rate tightened to a flat 2.94% APR, showing a notable tightening compared to last week’s wider range. If you’re in the market for a new ride or looking to refinance, these shifts highlight great opportunities to lock in lower interest and reduce your overall cost of ownership. Keep an eye on credit unions like UNITED HERITAGE and ATOMIC for some of the most attractive rates available today.
New - Vehicle Loans
Credit Union
Product
2026-01-16
(Current Day)
(Current Day)
2026-01-09
(7 Days Ago)
(7 Days Ago)
2026-01-01
(15 Days Ago)
(15 Days Ago)
2025-12-17
(30 Days Ago)
(30 Days Ago)
2025-12-02
(45 Days Ago)
(45 Days Ago)
2025-11-17
(60 Days Ago)
(60 Days Ago)
2025-10-18
(90 Days Ago)
(90 Days Ago)
2025-07-20
(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
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
2.50 - 13.21
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
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
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
3.24 - 6.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
Auto
3.49 - 3.74
3.49 - 3.99
3.49 - 5.24
3.49 - 5.24
3.49 - 3.74
3.49 - 4.49
3.49 - 3.99
Motorcycle
5.49
5.49 - 6.49
5.49 - 6.74
5.49 - 6.49
4.49 - 5.99▼ 100 bps
4.49 - 6.49▼ 100 bps
5.99▲ 50 bps
Other
4.99
5.49 - 7.49▲ 50 bps
4.99 - 6.99
5.49 - 6.99▲ 50 bps
4.99 - 5.99
4.99 - 5.99
6.49▲ 150 bps
Recreational
4.49
4.49 - 6.49
4.49 - 6.74
4.49 - 6.49
4.49 - 5.49
4.49 - 5.49
5.49▲ 100 bps
Auto
3.49 - 5.39
3.49 - 7.54
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
3.49 - 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 - 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
UNITED HERITAGE CREDIT UNION
As of January 16, 2026, UNITED HERITAGE's new auto loan rates range from 1.99% to 5.95% APR, marking a significant drop from last week’s minimum rate of 3.99%. This 200 basis point decrease in the lowest rate offers members more affordable financing options for new vehicles. Members seeking lower monthly payments should consider longer-term loan options to maximize savings. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of January 16, 2026, MARINE's new auto loan rates remain steady at 2.10% to 11.15% APR, with no changes over the past 30 days. This stability offers members consistent financing options for new vehicles. For those seeking affordability, the lower end of the rate range at 2.10% APR provides a competitive choice. Consider longer-term loans to reduce monthly payments while maintaining these stable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 16, 2026, ATOMIC's new auto loan rates have significantly improved, dropping from a previous range of 5.49, 5.83% to an exceptionally low 2.50, 13.21% today. Motorcycle and recreational vehicle loan rates remain stable at 9.50, 9.88% and 7.99, 9.21%, respectively. For members seeking the most affordable financing, the new auto loans offer the best opportunity right now. Consider exploring longer-term options to reduce monthly payments if needed. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of January 16, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days and notably lower than rates from one week ago, which ranged between 4.94% and 8.59%. This stable low rate offers a valuable opportunity for members seeking affordable financing on new vehicles. Consider locking in this competitive rate now to benefit from predictable payments. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of January 16, 2026, TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 6.24% APR with no changes over the past 30 days. This stability provides members with predictable financing costs for new vehicles. For those seeking affordable financing, the lowest rates starting at 3.24% APR offer competitive options. Consider longer-term loans if you aim to balance monthly payments and total interest. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
INTOUCH CREDIT UNION
New vehicle loan rates at INTOUCH remain stable or improved over the past 30 days. Auto loan rates hold steady between 3.49% and 3.74%, maintaining the most affordable option for members. Motorcycle loans narrowed to a fixed 5.49%, down from a range as high as 6.74%. The Other category improved to 4.99% from previous highs near 7.49%. Recreational loans also stayed firm at 4.49%. These trends suggest value in locking in current competitive rates. Check longer-term options to balance monthly payments with overall cost. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
As of January 16, 2026, BAXTER’s new auto loan rates remain stable, holding steady at 3.49% to 5.39% APR, a notable improvement from the higher max rate of 7.54% seen over the past 30 days. This provides members with more affordable financing options for new vehicles. The new recreational vehicle loan rates are introduced at 5.29% to 6.29% APR, offering competitive terms for these specialized loans. For members seeking lower monthly payments, exploring longer-term loans within these ranges may be beneficial. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
SHELL FEDERAL CREDIT UNION
As of January 16, 2026, new Auto loan rates at SHELL remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. The lowest rates continue to offer members an affordable option for financing new vehicles. For those prioritizing predictable payments, exploring longer-term loans may provide additional budgeting flexibility. Consistent rates reflect stable market conditions, supporting informed borrowing decisions. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
As of January 16, 2026, NECHES new vehicle loan rates remain steady, with Auto loans holding firm at 3.50% to 5.25% APR and the Other vehicle category unchanged at 3.50% to 6.50% APR over the past 30 days. These consistent rates offer members reliable options for affordable financing. For those seeking lower monthly payments, exploring longer-term loan options may provide added flexibility. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of January 16, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 5.99% APR, showing no change over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. For those seeking affordability, the lower end of this range provides competitive terms for new vehicle purchases. Consider longer-term loans if you prefer to manage monthly payments more comfortably. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
Tired of dealerships offering you one-size-fits-all financing? At LendMesh, we put you in control with customized vehicle loan comparisons. No hidden fees. No pushy sales tactics. Just offers you can trust. Explore your options at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, consider taking advantage of these current low rates by acting sooner rather than later, locking in today’s best APRs can save you hundreds over your loan term. If you already have a vehicle loan with a higher rate, exploring refinancing options through credit unions like UNITED HERITAGE or VYSTAR could be a smart move to lower your monthly payments and free up cash flow. For motorcycle and recreational vehicle buyers, stable rates from ATOMIC and INTOUCH suggest now is a good time to shop without worrying about sudden spikes. As market conditions evolve, stay flexible but proactive, monitor weekly rate trends and be ready to pounce when your ideal loan terms appear. In short, whether buying new or refinancing existing debt, leaning into credit unions’ competitive offerings is a practical way to maximize your savings and drive away with confidence in 2026.