Introduction
As of February 4, 2026, vehicle loan rates at credit unions offer some excellent opportunities for savvy buyers. The lowest APR is a standout 1.99% for auto loans at United Heritage, making it one of the most attractive deals for car shoppers right now. Motorcycle enthusiasts can find competitive rates starting at 5.90% with United Heritage as well. While many rates have held steady over the past week, it’s worth noting that Atomic Credit Union’s auto loan rates remain unchanged at a wide range from 2.50% up to 13.21%, giving borrowers plenty of options depending on credit profile and loan term. Recreational vehicle financing is steady too, with United Heritage offering rates between 8.40% and 10.40%. If you’re looking to save money on your next vehicle purchase or refinance, focusing on credit unions with consistent low starting APRs like United Heritage and Marine could make a real difference in your monthly payments.
Used - Vehicle Loans
Credit Union
Product
2026-02-04
(Current Day)
(Current Day)
2026-01-28
(7 Days Ago)
(7 Days Ago)
2026-01-20
(15 Days Ago)
(15 Days Ago)
2026-01-05
(30 Days Ago)
(30 Days Ago)
2025-12-21
(45 Days Ago)
(45 Days Ago)
2025-12-06
(60 Days Ago)
(60 Days Ago)
2025-11-06
(90 Days Ago)
(90 Days Ago)
2025-08-08
(180 Days Ago)
(180 Days Ago)
Auto
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
3.99 - 5.95▲ 200 bps
Motorcycle
5.90 - 6.90
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 - 11.15
Auto
2.50 - 13.21
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
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
4.75 - 6.50
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 - 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
3.50 - 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
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
UNITED HERITAGE CREDIT UNION
Used vehicle loan rates at UNITED HERITAGE remain steady this week. Used Auto loans hold the lowest APR range at 1.99% to 5.95%, unchanged over 7 days but down from 3.99% fifteen and thirty days ago, offering strong value for members seeking affordable financing. Motorcycle loan rates remain stable between 5.90% and 6.90%, improving significantly from up to 10.40% a month ago. Recreational vehicle loans are available at 8.40% to 10.40% APR, consistent with last week. Members should consider these competitive rates and review term lengths to optimize monthly payments. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of February 4, 2026, MARINE’s used auto loan rates remain steady at 2.10% to 11.15% APR, with no changes over the past 30 days. This stability offers members predictable financing costs when purchasing a used vehicle. For those seeking affordability, the lowest rates starting at 2.10% APR present a strong option. Consider longer-term loans if you want to reduce monthly payments while maintaining competitive rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
Used Auto loan rates remain stable today, with APRs ranging from 2.50% to 13.21%, consistent over the past 15 days but improved significantly from 30 days ago when rates started at 5.49%. Motorcycle loans hold steady at a narrow range of 9.50% to 9.88%, showing no change in the last month. Similarly, Recreational vehicle loans maintain rates between 7.99% and 9.21% without fluctuation. For members seeking the most affordable financing, used auto loans offer the lowest starting rates currently available. Consider checking longer-term options to balance monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV remain stable over the past 30 days. Auto loans hold steady between 4.75% and 6.50% APR, offering reliable affordability for members financing used cars. The Motorcycle loan rate range of 6.75% to 7.25% APR is unchanged, maintaining consistent borrowing costs. Notably, the Other loan category shows a wide APR range from 2.50% to 14.50%, improving from higher rates 15 days ago, indicating potential savings for select borrowers. Members seeking lower payments should consider longer terms or explore Other loan options for flexible rates. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of February 4, 2026, VYSTAR’s Used Auto Loan rate remains steady at 2.94% APR, unchanged over the past week and month but significantly lower than the 5.54% to 8.84% range reported 15 days ago. This stable, low rate represents an excellent opportunity for members seeking affordable used vehicle financing. Consider locking in this rate promptly to benefit from current market conditions before any potential increases. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
TYNDALL's Used Auto Loan rates remain steady at 3.24% to 6.24% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no rate increases or decreases, members can confidently plan their budgets without concern for rising costs. For those seeking predictable payments, consider fixed-rate loans like these used auto options to maintain financial stability. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
Used auto loan rates at SHELL remain steady at 3.49% to 18.00% APR over the past 30 days, showing no change. The wide rate range offers options for various credit profiles, with the lowest rates providing affordable financing for qualified members. Consider shorter-term loans to take advantage of lower APRs if 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 remain steady at 3.50% to 6.75% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. The stable rate environment supports predictable budgeting without recent increases or decreases. For members seeking manageable monthly payments, exploring longer-term used auto loans could provide additional financial flexibility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable, with Auto loans holding steady at 3.50% to 5.25% APR over the past 30 days. The Other vehicle loans category also shows no change, maintaining a range of 3.50% to 6.50% APR. These consistent rates offer members reliable financing options for used vehicles. For those seeking the most affordable rates, used auto loans provide competitive pricing with no recent increases. Consider longer loan terms to reduce monthly payments while locking in these stable rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain stable this week, holding steady between 3.74% and 9.79% APR over the past 30 days. This consistency offers members predictable financing costs when purchasing pre-owned vehicles. For those seeking manageable monthly payments, exploring longer-term used auto loans may provide additional affordability. Members looking for reliable, budget-friendly options can take advantage of these unchanged rates to plan their vehicle purchase confidently. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
Whether you're buying your first car or upgrading to a family SUV, LendMesh makes vehicle financing simple. We partner with banks and credit unions to give you transparent, competitive loan offers—no hidden surprises. Visit https://www.lendmesh.com/loans/vehicle_loans to explore your options and drive away with peace of mind.
Conclusion
Looking ahead, now is a smart time to lock in low auto loan rates, especially if you qualify for the best offers under 2%. If you already have a vehicle loan with a higher interest rate, consider refinancing to take advantage of today’s competitive credit union pricing. Motorcycle and recreational vehicle buyers should watch for stable rates like those at Atomic and REV Credit Unions, which provide solid financing options without sudden spikes. Remember, staying informed about weekly rate trends can help you time your purchase or refinance to maximize savings. Reach out to your local credit union soon, these favorable rates might not last forever, but they do present an excellent opportunity to get behind the wheel with confidence and better terms.