Introduction
As of February 20, 2026, vehicle financing options are looking strong for buyers ready to save. United Heritage Credit Union offers the lowest auto loan rates, starting as low as 1.99% APR, matching their stable rates from the past month. For motorcycle enthusiasts, United Heritage also leads with competitive rates between 5.90% and 6.90%. Skyla Credit Union has made a notable shift in their auto loan offerings, dropping their minimum rate sharply from 3.99% to an impressive 1.99% APR this week, giving car shoppers a fresh opportunity to lock in savings. Meanwhile, recreational vehicle loans remain steady but pricier, with United Heritage offering rates starting at 8.40%. If you’re exploring a broad range of vehicles or looking for flexible terms, credit unions like REV and Atomic provide varied options, though at higher rates for some programs. Whether you’re buying a family SUV or your first motorcycle, today’s market holds promising deals that make it worth shopping around and acting quickly.
New - Vehicle Loans
Credit Union
Product
2026-02-20
(Current Day)
(Current Day)
2026-02-13
(7 Days Ago)
(7 Days Ago)
2026-02-05
(15 Days Ago)
(15 Days Ago)
2026-01-21
(30 Days Ago)
(30 Days Ago)
2026-01-06
(45 Days Ago)
(45 Days Ago)
2025-12-22
(60 Days Ago)
(60 Days Ago)
2025-11-22
(90 Days Ago)
(90 Days Ago)
2025-08-24
(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
Auto
1.99 - 4.99
3.99 - 4.99▲ 200 bps
3.99 - 4.99▲ 200 bps
3.99 - 4.99▲ 200 bps
3.99 - 4.99▲ 200 bps
3.99 - 4.99▲ 200 bps
3.99 - 5.50▲ 200 bps
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
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
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
3.49 - 6.29
3.49 - 6.29
3.99 - 6.29▲ 50 bps
3.99 - 5.39▲ 50 bps
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
UNITED HERITAGE CREDIT UNION
As of February 20, 2026, UNITED HERITAGE's new vehicle loan rates remain stable with no changes over the past 30 days. The new Auto loan APR ranges from 1.99% to 5.95%, offering the most affordable financing option for members. Motorcycle loans hold steady between 5.90% and 6.90%, while Recreational vehicle loans range from 8.40% to 10.40%. Members seeking lower monthly payments should consider longer-term Auto loans for better budgeting flexibility. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
SKYLA FEDERAL CREDIT UNION
As of February 20, 2026, SKYLA's new auto loan rates have improved significantly, now ranging from 1.99% to 4.99% APR, down from 3.99% just 7 days ago. This marks a substantial rate drop, offering members more affordable financing options for new vehicles. The Other vehicle loan rates remain steady at 6.75% to 7.75% APR with no recent changes. For those seeking lower monthly payments, exploring longer-term new auto loans could provide additional savings. For more details, visit https://www.skylacu.com/borrow/auto-loans/new,
MARINE FEDERAL CREDIT UNION
As of February 20, 2026, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, with no changes over the past 30 days. This stable rate environment benefits members seeking predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of the rate range offers competitive options. Consider longer-term loans to manage monthly payments effectively while locking in these consistent rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of February 20, 2026, REV’s new vehicle loan rates remain steady across all products, with Auto loans at 4.00% to 6.25% APR and Motorcycle loans holding at 6.75% to 7.25% APR over the past 30 days. The most affordable option continues to be the Other vehicle loan category, ranging from 2.50% to 14.50% APR, offering flexibility for diverse financing needs. For members seeking predictable payments, consider exploring longer-term loan options within these stable rate ranges for better budgeting. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of February 20, 2026, ATOMIC’s new vehicle loan rates remain steady, with no changes in the past 30 days. The Auto loan APR ranges from 2.50% to 13.21%, offering the most affordable financing options for members. Motorcycle loans are fixed between 9.50% and 9.88%, while Recreational loans range from 7.99% to 9.21%. Members seeking lower monthly payments should consider longer-term Auto loans within this competitive rate spectrum. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of February 20, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent rate offers members affordable financing for new vehicles without recent fluctuations. For members seeking predictable payments, locking in this stable rate can provide financial clarity. Consider exploring longer-term options if you prefer lower monthly installments 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 20, 2026, TYNDALL’s new auto loan rates remain steady with APRs holding at 3.24% to 5.69%, unchanged from one and seven days ago, and slightly lower than the 15- and 30-day range of up to 6.24%. This stability offers members consistent access to competitive financing for new vehicles. For those seeking affordability, the lower end of the rate spectrum presents a valuable opportunity. Consider longer-term loans if you prefer to manage monthly payments effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of February 20, 2026, PENTAGON’s new auto loan rates remain steady, with APRs holding at 3.39% to 5.74% over the past 30 days. This consistency provides members reliable financing options without recent rate fluctuations. For those seeking affordable monthly payments, exploring longer-term loan terms could offer additional savings. Monitoring stable rates like these can help members plan vehicle purchases confidently. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
BAXTER’s new auto loan rates remain steady at 3.49% to 6.29% APR over the past week, with a slight tightening from 3.99% to 5.39% thirty days ago. The most affordable rates start at 3.49% APR, offering value for members financing new vehicles. Consider longer-term loans to manage monthly payments effectively without rate increases. Monitoring these stable rates can help in planning your next vehicle purchase confidently. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of February 20, 2026, SHELL’s new auto loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. The lowest rates continue to offer affordable financing options for members seeking new vehicles. Consider exploring longer-term loans if you want to reduce monthly payments without rate increases. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
Getting pre-approved for a car loan is like walking into the dealership with the upper hand. LendMesh makes it easy by connecting you to banks and credit unions ready to compete for your business. Start your search smart at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an excellent time to consider refinancing if your current loan rate is above today’s competitive offers, especially if you financed through institutions with higher APRs like Atomic or Shell. For new buyers, locking in one of the sub-2% auto loan rates at United Heritage or Skyla could save hundreds over the life of your loan, so don’t hesitate to get pre-approved and compare terms. Motorcycle and recreational vehicle buyers should watch for small shifts but can feel confident in stable pricing this month. Finally, keep an eye on upcoming rate trends; even slight weekly changes can impact your monthly payment significantly. Staying proactive by checking credit union rates regularly and maintaining strong credit can position you for the best financing deals when you’re ready to hit the road or open the throttle on your next adventure.