Introduction
On February 13, 2026, savvy vehicle buyers can take advantage of some standout financing options across credit unions. The lowest auto loan rate remains a remarkable 1.99% APR at United Heritage, offering exceptional savings for car shoppers ready to finance their next ride. Motorcycle enthusiasts should note that United Heritage also leads with rates as low as 5.90% APR, staying steady over the past month and providing a solid opportunity for two-wheel financing. While most credit unions have maintained consistent rates, Atomic’s auto loan rates show a notable shift from last month’s mid-single digits to a wider range topping at 13.21%, signaling potential caution for buyers considering that lender. Families eyeing recreational vehicles will find competitive options too, with United Heritage offering rates starting at 8.40% APR. Whether you’re buying new or used, keeping an eye on these stable and competitive rates can help you lock in a deal that fits your budget, because every basis point saved means more money in your pocket.
New - Vehicle Loans
Credit Union
Product
2026-02-13
(Current Day)
(Current Day)
2026-02-06
(7 Days Ago)
(7 Days Ago)
2026-01-29
(15 Days Ago)
(15 Days Ago)
2026-01-14
(30 Days Ago)
(30 Days Ago)
2025-12-30
(45 Days Ago)
(45 Days Ago)
2025-12-15
(60 Days Ago)
(60 Days Ago)
2025-11-15
(90 Days Ago)
(90 Days Ago)
2025-08-17
(180 Days Ago)
(180 Days Ago)
Auto
1.99 - 5.95
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
Motorcycle
5.90 - 6.90
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
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
4.00 - 6.25
Auto
3.24 - 5.69
3.24 - 6.24
3.24 - 6.24
3.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.74
Auto
3.49 - 6.29
3.99 - 6.29▲ 50 bps
3.49 - 5.39
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.64 - 5.99▲ 15 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 - 5.25
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
UNITED HERITAGE CREDIT UNION
As of February 13, 2026, UNITED HERITAGE’s new vehicle loan rates remain stable with no changes over the past 30 days. New auto loans continue to offer the lowest APR range at 1.99% to 5.95%, providing strong value for members seeking affordable financing. Motorcycle loans hold steady between 5.90% and 6.90%, improving from a previous high of 10.40% thirty days ago. For those interested in recreational vehicles, rates are consistent at 8.40% to 10.40% over the last 15 days. Consider longer-term loans to manage monthly payments effectively. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of February 13, 2026, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, showing no changes over the past 30 days. This stable rate range provides members with consistent financing options for new vehicles. For those seeking affordability, the lower end of this range offers competitive rates suitable for short-term loans or strong credit profiles. Consider longer-term loans if you want to reduce monthly payments while maintaining a fixed interest rate. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of February 13, 2026, ATOMIC’s new auto loan rates remain steady between 2.50% and 13.21% APR, consistent over the past 15 days but notably lower than the 5.49% to 5.83% range seen 30 days ago. Motorcycle loans hold firm at 9.50% to 9.88% APR, with no recent changes. Recreational vehicle loans continue at 7.99% to 9.21% APR without movement over the last month. For members seeking affordability, the new auto loan offers the most competitive rates; consider longer terms to manage monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
REV FEDERAL CREDIT UNION
As of February 13, 2026, REV’s new vehicle loan rates remain stable across all products compared to the past 30 days. Auto loans hold steady between 4.00% and 6.25% APR, offering consistent affordability for members. The Motorcycle loan range is unchanged at 6.75% to 7.25% APR, while Recreational loans stay fixed at 7.75% APR. The most flexible rates appear in the Other vehicle category, ranging from 2.50% to 14.50% APR, providing options for varied financing needs. Members seeking lower monthly payments should consider longer-term loans within these stable rate ranges. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of February 13, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, with no changes over the past 30 days. This consistent rate offers members reliable and affordable financing for new vehicles. Members seeking predictable monthly payments will find value in locking this rate now. For those considering a new vehicle purchase, maintaining a stable APR provides financial clarity during budgeting. Check VYSTAR’s loan terms to select options that best fit your repayment goals. 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% APR for the lowest tier, with the upper range improving from 6.24% to 5.69% over the past week. This narrowing rate spread benefits members seeking more affordable financing options for new vehicles. Consider shorter-term loans or higher credit tiers to access rates near the 3.24% floor. Monitoring these trends can help optimize your borrowing strategy. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of February 13, 2026, PENTAGON's new auto loan rates remain stable, holding steady between 3.39% and 5.74% APR over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicle purchases. For those seeking affordable financing, the lower end at 3.39% APR represents a competitive option. Consider longer-term loans to reduce monthly payments while locking in these stable rates. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
As of February 13, 2026, BAXTER’s new auto loan rates range from 3.49% to 6.29% APR, with the lower end holding steady compared to 15 and 30 days ago. Notably, the upper rate increased from 5.39% fifteen days ago to 6.29% today, indicating a rise in higher-tier rates. Members seeking affordability will benefit most from loans near the 3.49% APR floor. For those managing monthly payments, exploring longer-term loan options may provide more predictable costs despite slightly higher rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of February 13, 2026, SHELL’s new auto loan rates remain steady, holding at 3.49% to 18.00% APR over the past 30 days. This consistent rate range provides members with clear expectations for financing new vehicles. For those seeking the most affordable options, the lowest APR of 3.49% offers competitive value. Consider longer-term loans if you want to lower monthly payments while maintaining a stable rate environment. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
As of February 13, 2026, NECHES new vehicle loan rates remain steady with Auto loans at 3.50% to 5.25% APR and Other vehicle loans ranging from 3.50% to 6.50% APR. There have been no rate changes in the past 30 days, providing consistent financing options for members. For those seeking the most affordable financing, new Auto loans offer the lowest starting APR at 3.50%. Consider evaluating loan terms to balance monthly payments and total interest costs effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
LendMesh
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Conclusion
Looking ahead, now is a great time to explore refinancing if your current vehicle loan carries a higher interest rate than today’s best deals, especially those near 1.99% APR from United Heritage. For new buyers, consider getting pre-approved early to secure these attractive terms before any market shifts occur. Keep an eye on credit unions like Tyndall and Pentagon, where mid-range rates could tighten further, creating additional opportunities to save on auto loans. If you’re in the market for motorcycles or recreational vehicles, locking in steady rates around 6% and 8% respectively can help you budget confidently without surprises down the road. Be proactive: compare offers across credit unions regularly and don’t hesitate to ask about special promotions or member benefits, these small steps can add up to significant savings on your next vehicle purchase or refinance.