Introduction
As of January 30, 2026, savvy vehicle shoppers have plenty to smile about, especially when it comes to financing. The lowest APR available today is an impressive 1.99% on auto loans at United Heritage, making it an excellent time to secure a new ride with affordable monthly payments. Motorcycle enthusiasts can also find competitive rates starting at 5.90% with United Heritage’s motorcycle loan program. Notably, United Heritage has trimmed its auto loan floor from 3.99% just a month ago down to 1.99%, a significant drop that can save borrowers hundreds over the life of a loan. Meanwhile, Vystar’s auto rate tightened dramatically this week from as high as 8.59% down to a flat 2.94%, offering another solid option for buyers seeking low-cost financing. For families eyeing recreational vehicles, United Heritage continues to lead with rates between 8.40% and 10.40%. Whether you’re upgrading your car, adding a motorcycle, or investing in an RV, now is a prime moment to lock in competitive credit union rates that beat typical dealership financing.
New - Vehicle Loans
Credit Union
Product
2026-01-30
(Current Day)
(Current Day)
2026-01-23
(7 Days Ago)
(7 Days Ago)
2026-01-15
(15 Days Ago)
(15 Days Ago)
2025-12-31
(30 Days Ago)
(30 Days Ago)
2025-12-16
(45 Days Ago)
(45 Days Ago)
2025-12-01
(60 Days Ago)
(60 Days Ago)
2025-11-01
(90 Days Ago)
(90 Days Ago)
2025-08-03
(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
4.00 - 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 - 6.24
3.24 - 6.74
3.24 - 6.74
Auto
3.49 - 5.39
3.99 - 6.29▲ 50 bps
3.49 - 7.54
3.49 - 7.54
3.24 - 7.54▼ 25 bps
3.49 - 7.54
3.49 - 7.54
3.39 - 5.14▼ 10 bps
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 - 5.99
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 30, 2026, UNITED HERITAGE new auto loan rates remain steady at 1.99% to 5.95% APR, improving significantly from 3.99% thirty days ago. Motorcycle loans have narrowed to 5.90% to 6.90%, down from a high of 10.40% fifteen and thirty days ago, offering more affordable financing for riders. The newly listed recreational vehicle loans range from 8.40% to 10.40% APR today, with no prior data for comparison. Members seeking budget-friendly options should consider the stable low-end auto rates or explore longer terms for manageable payments. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of January 30, 2026, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This stability benefits members seeking predictable financing costs. For those prioritizing affordability, the lowest rates at 2.10% offer competitive options for new vehicle purchases. Consider longer-term loans if you want to manage monthly payments effectively while maintaining fixed rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of January 30, 2026, new vehicle loan rates at REV remain steady across all products compared to the past 30 days. New auto loans hold a competitive APR range of 4.00% to 6.25%, offering reliable affordability for members financing cars. The Motorcycle loans maintain rates between 6.75% and 7.25%, while the Recreational loan rate is fixed at 7.75%. Notably, the Other vehicle loan category spans from a low 2.50% up to 14.50% APR, providing flexible options depending on specific needs. Check longer-term loan options for potentially lower monthly payments and tailored financing solutions. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of January 30, 2026, new vehicle loan rates at ATOMIC remain stable with Auto loans holding steady between 2.50% and 13.21% APR over the past 30 days, reflecting no recent changes. Motorcycle loans maintain a consistent range of 9.50% to 9.88% APR, while Recreational vehicle rates stay fixed from 7.99% to 9.21% APR. The most affordable option is the new Auto loan at a low 2.50% APR, providing strong value for members seeking cost-effective financing. For lower monthly payments, consider exploring longer-term Auto loans to optimize affordability. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of January 30, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days and significantly lower than the 4.94% to 8.59% range seen seven days ago. This consistent low rate offers members an affordable financing option for new vehicles. Members seeking cost-effective loans should consider locking in this rate now to benefit from stable, competitive terms. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s new auto loan rates remain steady at 3.24% to 6.24% APR over the past 30 days, offering consistent financing terms for members. The unchanged rates provide a reliable opportunity for borrowers seeking affordable new vehicle loans. Consider longer-term loans to manage monthly payments effectively, as the rate range supports flexible budgeting options. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
PENTAGON FEDERAL CREDIT UNION
As of January 30, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, with no changes over the past 7, 15, or 30 days. This consistency provides members predictable financing options for new vehicles. For those seeking affordable rates, the lower end of this range offers competitive value. Consider longer-term loans to reduce monthly payments while maintaining these stable rates. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
BAXTER’s new auto loan rates have improved, with today’s APR range of 3.49% to 5.39% down from 3.99% to 6.29% a week ago. This marks a notable decrease in the upper rate by 90 basis points over seven days, offering members more affordable financing options. The most competitive rates remain at the lower end of the spectrum, ideal for buyers seeking cost-effective loans. Consider exploring longer-term loan options if you want to reduce monthly payments while benefiting from these lower APRs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of January 30, 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 consistency provides members with predictable financing costs for new vehicles. The lowest rate of 3.49% APR offers a competitive option for borrowers seeking affordable loans. Members considering financing should evaluate longer-term loans to balance monthly payments and total interest effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of January 30, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 5.99% APR, showing no changes over the past 30 days. This consistency offers members reliable financing options with competitive rates for new vehicles. For those seeking affordability, focusing on loans near the lower APR range can reduce overall borrowing costs. Consider longer-term loans to lower monthly payments while maintaining these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
From your first car to your next upgrade, LendMesh helps you stay in control of your financing. With honest comparisons and lender reviews, you'll always know what you’re getting. Discover the difference at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, now is an ideal time to explore refinancing if your current vehicle loan carries a higher rate than today’s offers, especially with credit unions like United Heritage and Vystar delivering sub-3% APRs on autos. If you’re planning a purchase soon, consider applying early to take advantage of these low rates before any market shifts occur. For motorcycle and recreational vehicle buyers, keep monitoring programs like REV and Atomic for potential seasonal promotions or rate adjustments that could further improve affordability. Above all, staying proactive about your financing options and comparing multiple credit unions will help you find the best deal tailored to your needs. Don’t hesitate to reach out directly to credit unions for personalized quotes and terms, you might be surprised how much you can save simply by asking. Your next vehicle purchase or refinance can be smarter and more budget-friendly with today’s favorable credit union rates on your side.