Introduction
On January 21, 2026, vehicle shoppers have plenty of reason to feel optimistic about financing options. The lowest APR available today is an astonishing 0.02% for motorcycle loans at First Florida Credit Union, making it an unbeatable deal for two-wheel enthusiasts. For those shopping cars, Marine Credit Union offers a broad range starting as low as 2.10% APR on auto loans, providing flexibility across credit profiles. While most rates have remained steady over the past month, Atomic Credit Union’s auto loan rates saw a notable drop from around 5.5% to a low of 2.50%, marking a significant opportunity to lock in savings. Families eyeing recreational vehicles can find competitive rates between 7.75% and 9.21% at REV and Atomic Credit Unions respectively, maintaining steady access to financing for adventure seekers. Whether you’re buying your next car, motorcycle, or RV, today’s rates suggest smart timing, especially with rates holding firm or improving slightly across the board.
Used - Vehicle Loans
Credit Union
Product
2026-01-21
(Current Day)
(Current Day)
2026-01-14
(7 Days Ago)
(7 Days Ago)
2026-01-06
(15 Days Ago)
(15 Days Ago)
2025-12-22
(30 Days Ago)
(30 Days Ago)
2025-12-07
(45 Days Ago)
(45 Days Ago)
2025-11-22
(60 Days Ago)
(60 Days Ago)
2025-10-23
(90 Days Ago)
(90 Days Ago)
2025-07-25
(180 Days Ago)
(180 Days Ago)
Motorcycle
0.02 - 7.00
7.00▲ 698 bps
7.00▲ 698 bps
7.00▲ 698 bps
7.00▲ 698 bps
7.00▲ 698 bps
7.00▲ 698 bps
Other
7.00 - 9.00
7.00 - 9.00
7.00 - 9.00
7.00 - 9.00
7.00 - 9.00
7.00 - 9.00
7.00 - 9.00
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
4.75 - 6.50
4.75 - 6.50
4.75 - 6.50
4.75 - 6.50
4.75 - 6.50
4.75 - 6.50
5.00 - 6.75▲ 25 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 - 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
3.50 - 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
3.74 - 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
FIRST FLORIDA CREDIT UNION
As of January 21, 2026, FIRST FLORIDA’s used vehicle loan rates remain stable across all products. The Auto loan APR holds steady at 4.99%, offering a consistently affordable option for members. Motorcycle loans show a range from 0.02% to 7.00%, unchanged over the past month, providing flexible rates depending on credit and term. The “Other” category maintains a steady range between 7.00% and 9.00%. Members seeking cost-effective financing should consider the used auto loan at 4.99% APR for competitive rates. For more details, visit https://www.firstflorida.org/loans/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of January 21, 2026, MARINE's used auto loan rates remain steady, with APRs holding firm between 2.10% and 11.15% over the past 30 days. This consistency provides reliable financing options for members seeking used vehicles. For those prioritizing affordability, the lower end of the rate range offers competitive borrowing costs. Consider longer-term loans to manage monthly payments effectively while maintaining favorable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of January 21, 2026, used auto loan rates at ATOMIC have significantly dropped to a range of 2.50% - 13.21% APR, down from 5.49% - 5.83% over the past month. Rates for used motorcycle and recreational loans remain steady, with motorcycles at 9.50% - 9.88% APR and recreational vehicles at 7.99% - 9.21%. The notable decrease in used auto loan rates offers members a valuable opportunity for affordable financing. Consider shorter-term loans to maximize savings or check longer terms if lower monthly payments are preferred. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV remain stable this month. Used Auto loans hold steady at 4.75% to 6.50% APR, offering consistent affordability for members. The Motorcycle loan rate decreased slightly from 7.25% to a range of 6.75% to 7.25% APR, providing better options for riders. Notably, the Other vehicle loans start as low as 2.50% APR, representing the most affordable entry point across used products. Members seeking flexibility might consider these varied rates and check long-term loan options to manage monthly payments effectively. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
Used auto loan rates at VYSTAR remain steady at 2.94% APR, unchanged over the past 30 days. This consistent rate offers members an affordable option for financing used vehicles without recent fluctuations. For members seeking predictable monthly payments, locking in this stable rate can provide financial clarity. Consider longer-term loans if you want to spread out payments while maintaining this competitive APR. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates,
TYNDALL FEDERAL CREDIT UNION
For used auto loans at TYNDALL, rates remain steady at 3.24% to 6.24% APR, consistent with 30 days ago. This stability provides members predictable financing costs when purchasing pre-owned vehicles. The competitive low-end rate of 3.24% offers strong value for those seeking affordable used vehicle financing. Members looking to manage monthly payments should consider longer loan terms, which may lower payments despite steady rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of January 21, 2026, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. This consistent rate range offers members clear expectations when financing used vehicles. For those seeking affordability, the 3.49% APR on used autos represents the lowest entry point available. Consider reviewing loan terms to balance monthly payments and total interest costs effectively. Check long-term loan options if lower monthly payments are a priority. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC have remained steady at 3.50% to 6.75% APR over the past 30 days, offering consistent affordability for members. This stable rate range provides clear value for financing used vehicles without unexpected increases. For members seeking manageable payments, consider exploring longer loan terms, which may help lower monthly costs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
As of January 21, 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 over the past 30 days. There have been no rate changes recently, indicating stable financing options for members. The lowest rates on used auto loans provide affordable opportunities for financing pre-owned vehicles. Members seeking flexibility may consider these consistent rates when planning their purchases. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
COMMUNITY RESOURCE CREDIT UNION
As of January 21, 2026, COMMUNITY RESOURCE’s Used Auto loan rates remain steady between 3.74% and 9.79% APR, showing no change over the past 30 days. This stability offers members predictable financing costs for used vehicles. For those seeking affordable options, the lower end of the rate range provides competitive borrowing costs. Consider your loan term carefully to balance monthly payments and total interest paid. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
That moment when your dream car becomes your driveway car—it starts with the right financing. At LendMesh, we help you compare lenders who offer fair rates and real terms, whether you're buying new, used, or refinancing. Start today at https://www.lendmesh.com/loans/vehicle_loans and get closer to your keys.
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Conclusion
As you plan your next vehicle purchase or consider refinancing existing loans, now is an ideal time to explore credit union offers closely. With historically low motorcycle loan APRs and competitive auto loan ranges starting near 2%, shopping around could save you hundreds or even thousands over the life of your loan. If you’re already locked into higher rates, refinancing through credit unions like Marine or Vystar may reduce your monthly payments significantly. For families looking at recreational vehicles, stable rates mean predictable budgeting without surprises. Keep an eye on small rate shifts, like Atomic’s recent dip, that can signal broader market trends ahead. Ultimately, combining a strong credit score with these competitive credit union programs will position you for the best financing deal possible in early 2026.