Introduction
As of January 23, 2026, savvy vehicle shoppers have some exciting financing options to explore. The lowest APR available today is an impressive 2.10% for auto loans at Marine Credit Union, offering a fantastic opportunity for anyone looking to buy a new or used car. Motorcycle enthusiasts will find competitive rates too, with REV Credit Union holding steady at 6.75% to 7.25%. Notably, Atomic Credit Union’s auto loan rates have widened significantly on the higher end, now ranging up to 13.21%, signaling more variability depending on credit profiles. Meanwhile, Pentagon Credit Union introduced a solid new auto loan rate starting at 3.39%, giving buyers another option to consider. Rates have remained fairly stable across the board over the past month, so if you’ve been waiting for a good moment to finance your next ride, today’s steady low rates could save you money over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2026-01-23
(Current Day)
(Current Day)
2026-01-16
(7 Days Ago)
(7 Days Ago)
2026-01-08
(15 Days Ago)
(15 Days Ago)
2025-12-24
(30 Days Ago)
(30 Days Ago)
2025-12-09
(45 Days Ago)
(45 Days Ago)
2025-11-24
(60 Days Ago)
(60 Days Ago)
2025-10-25
(90 Days Ago)
(90 Days Ago)
2025-07-27
(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
2.10 - 11.25
Auto
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.25 - 6.50▲ 25 bps
Auto
2.50 - 13.21
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
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 - 18.00
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
3.50 - 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
3.50 - 6.50
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
Auto
3.50 - 5.75
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
Auto
3.74 - 6.24
3.74 - 5.74
3.74 - 5.74
3.74 - 5.74
4.74 - 7.49▲ 100 bps
4.74 - 7.49▲ 100 bps
4.74 - 7.49▲ 100 bps
4.74 - 7.49▲ 100 bps
MARINE FEDERAL CREDIT UNION
As of January 23, 2026, MARINE’s new auto loan rates remain steady, with APRs holding firm between 2.10% and 11.15% over the past 30 days. This consistency provides members with predictable financing costs for new vehicle purchases. For those prioritizing affordability, the lowest rates at 2.10% offer competitive options. Members seeking to manage monthly expenses may want to explore longer-term loan plans within these ranges to balance payment size and total interest paid. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of January 23, 2026, REV’s new vehicle loan rates remain stable across all products compared to the past 30 days. Auto loans hold steady at 4.00% to 6.25% APR, offering consistent affordability for members. Notably, the Other vehicle loan program’s rate range widened to 2.50%, 14.50% from 6.75%, 9.25% seven days ago, presenting potential savings for borrowers qualifying at lower tiers. Meanwhile, Motorcycle and Recreational loan rates remain unchanged, with Motorcycle loans between 6.75% and 7.25%, and Recreational fixed at 7.75%. Members seeking cost-effective financing should consider the Other category’s lower starting APR or maintain focus on Auto loans for stability. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of January 23, 2026, ATOMIC’s new vehicle loan rates remain steady across all products. The new auto loan APR range holds at 2.50% to 13.21%, unchanged from a week ago but significantly lower than the mid-January rates near 5.5%. This offers members some of the most affordable financing options for new vehicles. Meanwhile, motorcycle loans maintain a consistent range of 9.50% to 9.88%, and recreational vehicle loans stay stable between 7.99% and 9.21%. For cost-effective monthly payments, consider exploring longer-term new auto loans within these competitive APRs. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
TYNDALL FEDERAL CREDIT UNION
As of January 23, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.24% APR, with no changes over the past 30 days. This stability provides members consistent access to affordable financing options for new vehicles. For those seeking predictable monthly payments, exploring longer-term loans may offer additional budgeting flexibility. Members can rely on these rates when planning their next vehicle purchase. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of January 23, 2026, PENTAGON's new auto loan rates range from 3.39% to 5.74% APR with no prior data for comparison. This rate spread offers members access to competitive financing options tailored to their credit profile. For those seeking lower monthly payments, exploring longer-term loans within this range may provide added affordability. Members should review current offers carefully to match loan terms with their financial goals. For more details, visit https://www.penfed.org/auto#navRates.
SHELL FEDERAL CREDIT UNION
As of January 23, 2026, SHELL's new auto loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. This stability offers consistent borrowing costs for members financing new vehicles. For those seeking affordability, the lowest rates at 3.49% provide competitive options. Consider longer-term loans to manage monthly payments effectively while maintaining fixed rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
As of January 23, 2026, NECHES new vehicle loan rates remain steady with no changes over the past 30 days. The Auto loan APR ranges from 3.50% to 5.25%, offering competitive financing for new vehicles. The Other vehicle loan program holds a wider APR range of 3.50% to 6.50%, suitable for less common vehicle types. Members seeking affordable options should consider the Auto loans for lower rates. To manage monthly payments effectively, explore longer-term loan options available at these stable rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
POLISH & SLAVIC’s new auto loan rates remain steady at 3.50% to 5.99% APR, showing no change over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those prioritizing affordability, the lowest APR of 3.50% represents strong value in today’s market. Consider longer-term loans to reduce monthly payments while securing these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of January 23, 2026, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain stable at 3.50% to 5.75% APR, improving from a previous high of 7.25% over the past 30 days. This represents a notable tightening of rates, benefiting members seeking affordable financing for new vehicles. The most competitive rates are at the low end of this range, ideal for borrowers with strong credit profiles. Consider shorter-term loans to secure these lower rates and reduce overall interest costs. For more details, visit https://www.uoficreditunion.org/rates/.
TOWER FEDERAL CREDIT UNION
As of January 23, 2026, TOWER’s new auto loan rates remain stable, holding at 3.74% to 6.24% APR. Notably, the upper rate increased by 50 basis points compared to the previous 7 and 15 days, which were steady at a maximum of 5.74%. The lowest rate stays consistent at 3.74%, offering members access to affordable financing options. Members seeking predictable payments should consider locking in current rates promptly before any further increases. For more details, visit https://www.towerfcu.org/rates/loan-rates.
LendMesh
A solid vehicle loan can unlock more than a new ride—it can unlock freedom. Whether it’s getting to work, school, or your next adventure, LendMesh helps you find financing that fits your journey. Explore your options today at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, now is a great time to lock in those low rates if you’re in the market for an auto loan, especially with Marine Credit Union’s standout 2.10% APR leading the pack. If you already have financing in place, consider refinancing to take advantage of these competitive numbers and reduce your monthly payments or loan term. For motorcycle and recreational vehicle buyers, keeping an eye on REV and Atomic’s offerings can yield savings down the road as rates stay consistent. Lastly, don’t hesitate to shop around among credit unions like Pentagon and Tyndall for personalized deals that fit your budget. Taking action sooner rather than later can help you secure a better financial future on wheels, whether it’s your first ride or an upgrade.