Introduction
As of January 28, 2026, savvy vehicle buyers can score some impressive financing deals across credit unions. The lowest APR for auto loans sits at an incredibly competitive 1.99% with United Heritage, making it a top choice for anyone looking to save on their next car purchase. Motorcycle enthusiasts should note United Heritage’s stable rates between 5.90% and 6.90%, while recreational vehicle shoppers can explore rates starting at 7.75% with REV or slightly higher with United Heritage’s recreational loans. Noteworthy is the steady rate landscape this month, most credit unions have maintained consistent offers over the past week, though United Heritage’s auto loan rates dropped from 3.99% to 1.99% over the last month, a significant improvement that could mean big savings for buyers ready to act now. For those considering a wider range of options, Atomic’s motorcycle loans hold firm around 9.50%, and VyStar offers a solid single-rate auto loan at 2.94%. Whether you’re buying your first ride or upgrading the family vehicle, these stable yet competitive rates make this an excellent time to lock in financing.
Used - Vehicle Loans
Credit Union
Product
2026-01-28
(Current Day)
(Current Day)
2026-01-21
(7 Days Ago)
(7 Days Ago)
2026-01-13
(15 Days Ago)
(15 Days Ago)
2025-12-29
(30 Days Ago)
(30 Days Ago)
2025-12-14
(45 Days Ago)
(45 Days Ago)
2025-11-29
(60 Days Ago)
(60 Days Ago)
2025-10-30
(90 Days Ago)
(90 Days Ago)
2025-08-01
(180 Days Ago)
(180 Days Ago)
Auto
1.99 - 5.95
1.99 - 5.95
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
Motorcycle
5.90 - 6.90
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
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
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 - 6.24
3.24 - 7.24
3.24 - 7.24
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
3.50 - 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
3.50 - 6.50
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 - 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
Used vehicle loan rates at UNITED HERITAGE remain steady this week. Used Auto loans hold a competitive range of 1.99% to 5.95% APR, unchanged from both 7 and 15 days ago, reflecting stable affordability for members. Notably, the lower starting APR offers strong value for budget-conscious borrowers. Motorcycle loans now range from 5.90% to 6.90% APR, improving significantly from up to 10.40% just 15 and 30 days ago, presenting a better financing option for riders. Meanwhile, Recreational vehicle loans are available at 8.40% to 10.40% APR today, with no prior data for comparison. For members seeking cost-effective used vehicle financing, these consistent rates provide clarity and opportunity. Consider longer terms to manage monthly payments effectively. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
Used auto loan rates at MARINE remain steady, holding at 2.10% to 11.15% APR over the past 30 days with no changes observed. This stability offers members predictable financing costs for used vehicles. For those seeking manageable monthly payments, exploring longer-term loan options may provide additional flexibility without rate fluctuations. Staying informed on these consistent rates can help members plan their vehicle purchases with confidence. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV have remained stable over the past month, with Auto loans holding steady between 4.75% and 6.50% APR. The Motorcycle rate range stays at 6.75% to 7.25% APR, while the Recreational loan is fixed at 7.75% APR. Notably, the Other loan category offers a broad range from 2.50% to 14.50% APR, presenting the most affordable starting point for members seeking flexible financing options. For members aiming to minimize monthly payments, considering longer-term loans within these products may provide better affordability. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this month. Used Auto loans continue to offer the most affordable APR range, holding firm at 2.50% to 13.21%, unchanged from a week ago but significantly lower than rates seen 15 and 30 days prior. Meanwhile, Motorcycle loans and Recreational vehicle loans maintain consistent APRs of 9.50% to 9.88% and 7.99% to 9.21%, respectively. For members seeking lower monthly payments, exploring longer-term used auto loan options could provide better financial flexibility. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of January 28, 2026, VYSTAR’s used auto loan rate remains steady at 2.94% APR, unchanged over the past 15 days and significantly lower than the range seen 30 days ago (5.54% to 8.84%). This stable, low rate offers members an affordable financing option for used vehicles. Members seeking cost-effective loans should consider locking in this rate now before potential market changes. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
For January 28, 2026, TYNDALL's used auto loan rates remain steady at 3.24% to 6.24% APR, unchanged over the past 30 days. This consistent rate range offers members a reliable option for affordable used vehicle financing. Consider evaluating loan terms carefully to balance monthly payments and total interest costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of January 28, 2026, used auto loan rates at SHELL remain steady between 3.49% and 18.00% APR, showing no change over the past 30 days. The consistent low-end rate of 3.49% APR offers an affordable financing option for members seeking used vehicles. For those aiming to manage monthly payments, consider exploring longer-term loan options within this program to maximize affordability. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
NECHES FEDERAL CREDIT UNION
As of January 28, 2026, used auto loan rates at NECHES remain steady between 3.50% and 5.25% APR, unchanged over the past 30 days. Similarly, the Other used vehicle loans hold firm at 3.50% to 6.50% APR. These consistent rates provide members with reliable options for financing used vehicles affordably. For those seeking the most cost-effective financing, used auto loans offer the lowest starting APRs. Consider longer-term loans to lower monthly payments if budgeting flexibility is a priority. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady, holding at 3.50% to 6.75% APR over the past 30 days. This consistency provides members with reliable financing options for pre-owned vehicles. For those seeking affordability, the lowest rates starting at 3.50% APR offer competitive value. Consider longer loan terms to lower monthly payments, enhancing budget flexibility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
As of January 28, 2026, COMMUNITY RESOURCE's Used Auto Loan rates remain steady at 3.74% to 9.79% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this spectrum provides competitive options. Consider longer loan terms if you want to reduce monthly payments without rate fluctuations. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
Before you take a test drive, take 2 minutes to check your loan options. LendMesh shows you competitive rates from banks and credit unions near you—no pressure, no gimmicks. Start smart at https://www.lendmesh.com/loans/vehicle_loans and drive with peace of mind.
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Conclusion
Looking ahead, now is a smart moment to consider refinancing existing vehicle loans if your current rate exceeds today’s low offers like United Heritage’s standout 1.99%. For new buyers, don’t wait too long, rates have shown potential for improvement but could shift as market conditions evolve. Families shopping for larger vehicles should keep an eye on recreational loan rates at REV and United Heritage, where some of the most flexible terms are available today. Motorcycle buyers might benefit from locking in rates soon before any seasonal changes occur, especially with consistent offerings from Atomic and REV. Ultimately, staying informed and comparing credit union offers ensures you get the best possible deal, start your loan application early and consult with your credit union about special programs or discounts that might apply to your situation. Smart timing combined with careful research will help you drive off with more savings in your pocket this year.