Introduction
On February 11, 2026, savvy vehicle shoppers have some standout financing options to consider. United Heritage Credit Union leads the pack with an exceptionally low auto loan APR starting at just 1.99%, offering one of the best opportunities to save on your next car purchase. Motorcycle enthusiasts also benefit here with rates as low as 5.90%. While many credit unions hold steady week-over-week, it’s worth noting that Atomic Credit Union’s auto loan rates remain stable at a minimum of 2.50%, though their previous month’s rates were notably higher, indicating some easing in costs for borrowers. For families or adventure seekers eyeing recreational vehicles, United Heritage’s range from 8.40% to 10.40% presents competitive terms compared to others like REV and Atomic. If you’re looking for consistent and straightforward options, credit unions such as Marine and Rev maintain steady rates across their programs this month. Whether you’re buying a new ride or upgrading your motorcycle, today’s market offers excellent chances to lock in favorable financing, especially if you act promptly.
Used - Vehicle Loans
Credit Union
Product
2026-02-11
(Current Day)
(Current Day)
2026-02-04
(7 Days Ago)
(7 Days Ago)
2026-01-27
(15 Days Ago)
(15 Days Ago)
2026-01-12
(30 Days Ago)
(30 Days Ago)
2025-12-28
(45 Days Ago)
(45 Days Ago)
2025-12-13
(60 Days Ago)
(60 Days Ago)
2025-11-13
(90 Days Ago)
(90 Days Ago)
2025-08-15
(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
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
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 - 6.24
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
3.50 - 5.25
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
3.50 - 6.50
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
3.74 - 9.79
UNITED HERITAGE CREDIT UNION
As of February 11, 2026, UNITED HERITAGE’s used auto loan rates remain stable, holding steady at 1.99% to 5.95% APR compared to both last week and 15 days ago, improving from a higher starting point 30 days prior. The motorcycle loan range stayed consistent at 5.90% to 6.90% APR, narrowing significantly from up to 10.40% a month ago. For recreational vehicles, rates are unchanged at 8.40% to 10.40% APR since last week. Members seeking the lowest cost financing should consider used auto loans, which offer the most affordable rates currently available. Check long-term loan options for manageable payments. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of February 11, 2026, MARINE’s used auto loan rates remain steady, holding at 2.10% to 11.15% APR with no changes over the past 30 days. This consistent pricing offers members a reliable range for financing pre-owned vehicles. For those seeking affordability, the lower end of the rate spectrum provides competitive options. Consider longer-term loans to potentially reduce monthly payments while maintaining stable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used auto loan rates at ATOMIC remain steady today, ranging from 2.50% to 13.21% APR, holding firm over the past 15 days but significantly lower than 30 days ago when rates started at 5.49%. Motorcycle loans maintain a consistent range of 9.50% to 9.88% APR, showing no change this month. Recreational vehicle financing also stays stable between 7.99% and 9.21% APR. For members seeking affordability, the used auto loans offer the lowest starting rates, making them a strong option for cost-conscious borrowers. Consider longer-term loans to manage 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 steady this week, with Auto loans holding firm between 4.75% and 6.50% APR for 30 days. The Motorcycle loan rate stays consistent at 6.75% to 7.25% APR, while Recreational loans maintain a fixed 7.75% APR. Notably, the Other vehicle loan range remains broad from 2.50% up to 14.50% APR, offering flexible options depending on credit and vehicle type. Members seeking affordable financing should consider used auto loans for competitive rates or explore longer terms for manageable payments. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of February 11, 2026, VYSTAR's Used Auto Loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent rate offers members affordable financing without recent fluctuations. For those considering a used vehicle purchase, locking in this stable rate can provide predictable monthly payments. Explore longer terms if you prefer lower monthly costs while maintaining this competitive APR. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of February 11, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 6.24% APR, showing no change over the past 30 days. This consistency offers members a reliable financing option without rate fluctuations. For those seeking affordable used vehicle financing, these stable rates provide clarity for budgeting your purchase. Consider longer-term loans if lower monthly payments better fit your financial plan. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
Used auto loan rates at SHELL remain stable at 3.49% to 18.00% APR with no changes over the past 30 days. The consistent low starting rate offers value for members seeking affordable financing options. For those prioritizing manageable payments, exploring longer loan terms may provide additional budget flexibility. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady, with Auto loans holding at 3.50% to 5.25% APR and Other vehicle loans steady at 3.50% to 6.50% APR over the past 30 days. These consistent rates offer members reliable financing options without recent increases. For members seeking affordability, the Auto loan range provides the lowest starting APR for used vehicles. Consider reviewing loan terms to find the best fit for your budget and financial goals. 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 at 3.50% to 6.75% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no recent rate changes, this stability supports clear budgeting. Consider exploring longer terms if you want to lower monthly payments while maintaining competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady at 3.74% to 9.79% APR over the past 30 days, showing no fluctuations. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide added affordability. Monitoring these stable rates can help members plan their vehicle purchases with confidence. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
LendMesh
A better car doesn’t have to mean a worse budget. LendMesh helps you find vehicle loans with low rates and fair terms—so you can upgrade your ride without the financial stress. Compare lender offers in real time at https://www.lendmesh.com/loans/vehicle_loans and take the wheel with confidence.
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Conclusion
Looking ahead, now is a smart time to explore refinancing existing loans if your current rates are above those offered by credit unions like United Heritage or Vystar. With auto loan APRs dipping below 3% in some places, lowering your monthly payments could free up cash for other priorities. If you’re planning a purchase soon, consider applying early to secure the lowest advertised rates before any potential market shifts. For recreational vehicle buyers, comparing offers carefully can yield savings since rates vary more widely in that category. And don’t overlook motorcycles, some credit unions provide better deals than dealerships typically advertise. Ultimately, staying informed and proactive is your best strategy: check back regularly for updated rates and be ready to move quickly when the right deal appears. Your next vehicle, and its financing, can both be wins with the right timing and choice.