Introduction
As of February 18, 2026, savvy vehicle buyers have plenty of reason to smile with today’s best auto loan rate at an ultra-low 1.99% APR from United Heritage Credit Union, a deal that hasn’t budged in the past month. Motorcycle fans can also take advantage of steady rates, with United Heritage offering competitive financing as low as 5.90%. Recreational vehicle shoppers aren’t left out either, with United Heritage’s RV loans holding firm between 8.40% and 10.40%. Notably, Vystar Credit Union dropped its auto loan rate significantly from a range of 5.54, 8.84% thirty days ago down to a flat 2.94%, making it a standout for those seeking mid-range financing options. While some lenders like Atomic and Shell hold higher maximum rates, their consistent offers provide options for different credit profiles. For families and enthusiasts alike, now is a prime moment to lock in these favorable rates before potential market shifts.
Used - Vehicle Loans
Credit Union
Product
2026-02-18
(Current Day)
(Current Day)
2026-02-11
(7 Days Ago)
(7 Days Ago)
2026-02-03
(15 Days Ago)
(15 Days Ago)
2026-01-19
(30 Days Ago)
(30 Days Ago)
2026-01-04
(45 Days Ago)
(45 Days Ago)
2025-12-20
(60 Days Ago)
(60 Days Ago)
2025-11-20
(90 Days Ago)
(90 Days Ago)
2025-08-22
(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 - 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
2.50 - 13.21
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
2.94
2.94
2.94
5.54 - 8.84▲ 260 bps
2.94
5.54 - 8.84▲ 260 bps
2.94
6.29 - 8.84▲ 335 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
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
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 over the past 15 days, improving from 3.99% thirty days ago. Motorcycle loans stay between 5.90% and 6.90% APR, consistent for a month but down from a high of 10.40% last month. Recreational vehicle loans remain stable at 8.40% to 10.40% APR with no recent change data beyond today. For members seeking affordability, used auto loans offer the lowest starting rates; 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
As of February 18, 2026, MARINE’s used auto loan rates remain steady, ranging from 2.10% to 11.15% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs, with the lowest rates providing affordable options for credit-qualified borrowers. Consider loan terms carefully to balance monthly payments and overall interest paid. For members seeking used vehicle financing, this stable rate environment supports informed budgeting decisions. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this month, with Auto loans holding steady between 2.50% and 13.21% APR. Motorcycle loans continue at 9.50% to 9.88% APR, while Recreational loans range from 7.99% to 9.21% APR, showing no changes over the past 30 days. The most affordable option is the used auto loan, offering competitive rates for members seeking value. For those prioritizing manageable monthly payments, consider longer-term loan options to spread costs effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of February 18, 2026, used vehicle loan rates at REV remain stable across all products compared to the past month. Auto loans hold steady between 4.75% and 6.50% APR, offering consistent affordability. Motorcycle loans continue at 6.75% to 7.25% APR, while recreational loans remain fixed at 7.75% APR. Notably, the Other loan category shows a wide range from 2.50% to 14.50%, improving from last month's narrower band between 6.75% and 9.25%. For members seeking flexibility, exploring the “Other” loan options could yield competitive rates depending on credit profile. Check long-term loan options if you prefer lower monthly payments. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of February 18, 2026, VYSTAR’s used auto loan rate remains steady at 2.94% APR, unchanged over the past 15 days and consistent with last week. This stable rate offers members an affordable option compared to the higher rates seen 30 days ago, which ranged from 5.54% to 8.84%. Members seeking cost-effective financing should consider locking in this low fixed rate now. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
For used auto loans at TYNDALL, rates remain steady at 3.24% to 5.69% APR, reflecting a tightening of the upper range from 6.24% seven and fifteen days ago. This adjustment benefits members seeking more affordable financing options for used vehicles. Consider locking in current rates soon to take advantage of this improved rate ceiling. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
For used vehicle loans at SHELL, rates remain steady at 3.49% to 18.00% APR with no changes over the past 30 days. This stable range offers members consistent financing options for used autos. For borrowers seeking affordability, the lowest APR of 3.49% presents a competitive choice. Consider loan terms carefully; longer durations may ease monthly payments despite higher total interest. Review your budget and credit profile to select the best fit. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this month, with Auto loans holding firm between 3.50% and 5.25% APR and the Other vehicle category stable from 3.50% to 6.50% APR. These consistent rates offer members reliable financing options without unexpected increases. For those prioritizing affordability, used auto loans present the most competitive range. Consider reviewing your loan term preferences to balance monthly payments and total interest effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of February 18, 2026, used auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 6.75% APR, with no changes over the past 30 days. This stability provides members with consistent financing options for used vehicles. For those seeking affordable rates, the lower end at 3.50% APR offers competitive terms. Consider longer loan terms to manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
COMMUNITY RESOURCE CREDIT UNION
As of February 18, 2026, COMMUNITY RESOURCE’s used auto loan rates remain steady, ranging from 3.74% to 9.79% APR, with no changes over the past 30 days. This stability offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of the rate spectrum provides competitive options. Consider shorter loan terms to potentially secure these lower rates and reduce total interest paid. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, consider locking in a low APR now if you’re planning to buy or refinance, especially with offers like United Heritage’s 1.99% auto loan or Vystar’s recent drop to 2.94%. If you’ve been holding off on purchasing or refinancing your motorcycle or RV, check these stable rates, they could save you hundreds over time. Keep an eye on lenders like Tyndall and REV for slight fluctuations that might open new opportunities next month. Lastly, always compare loan terms alongside rates to ensure the best overall deal for your budget and timeline. Whether upgrading your family ride or hitting the open road on two wheels, taking action today could translate into significant savings tomorrow.