Introduction
If you’re shopping for a new ride on February 25, 2026, today’s vehicle loan rates offer some excellent opportunities to save. United Heritage Credit Union leads the pack with the lowest auto loan APR starting at just 1.99%, perfect for car buyers aiming to keep interest costs minimal. Motorcycle enthusiasts can take advantage of United Heritage’s stable rates between 5.90% and 6.90%, while those eyeing recreational vehicles have options as low as 7.75% with REV Credit Union or slightly higher but consistent rates through United Heritage and Atomic. Notably, rates have held steady over the past month with no significant upward shifts, a sign that now is a smart time to lock in financing before any potential hikes. Watch out for credit unions like Atomic and REV, which maintain competitive but wider rate ranges, giving flexibility based on credit profiles. If you prefer a straightforward fixed rate, VYSTAR offers a solid auto loan at 2.94%. Whether you’re buying your first family vehicle, upgrading your motorcycle, or investing in an RV, these consistently low or stable APRs could save you hundreds over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2026-02-25
(Current Day)
(Current Day)
2026-02-18
(7 Days Ago)
(7 Days Ago)
2026-02-10
(15 Days Ago)
(15 Days Ago)
2026-01-26
(30 Days Ago)
(30 Days Ago)
2026-01-11
(45 Days Ago)
(45 Days Ago)
2025-12-27
(60 Days Ago)
(60 Days Ago)
2025-11-27
(90 Days Ago)
(90 Days Ago)
2025-08-29
(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
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
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
4.75 - 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
2.50 - 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
9.88
9.50 - 9.88▼ 38 bps
9.50 - 9.88▼ 38 bps
9.50 - 9.88▼ 38 bps
9.50 - 9.88▼ 38 bps
9.50 - 9.88▼ 38 bps
9.50 - 9.88▼ 38 bps
Recreational
8.36 - 9.21
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
Auto
3.24 - 5.69
3.24 - 5.69
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
3.49 - 18.00
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
3.50 - 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
3.74 - 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 25, 2026, UNITED HERITAGE’s used vehicle loan rates remain steady with no changes over the past 30 days. The Auto loans offer the most affordable rates, ranging from 1.99% to 5.95% APR. Motorcycle loans hold steady between 5.90% and 6.90% APR, while Recreational vehicle loans range from 8.40% to 10.40% APR. Members seeking lower monthly payments should consider the competitive rates on used auto loans for better affordability. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of February 25, 2026, MARINE’s used auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing costs when purchasing a used vehicle. For those seeking affordable options, the low-end APR at 2.10% represents strong value for qualified borrowers. Consider exploring different term lengths to balance monthly payments and total interest paid. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
As of February 25, 2026, used vehicle loan rates at REV remain steady with no changes over the past 30 days. Auto loans hold a competitive APR range of 4.75% to 6.50%, offering affordable financing for members seeking used cars. The Motorcycle loan rates stay consistent at 6.75% to 7.25%, while Recreational loans remain fixed at 7.75% APR. Notably, the Other loan category spans from a low 2.50% up to 14.50%, providing flexible options depending on the vehicle type and credit profile. For those prioritizing lower monthly payments, exploring longer terms within these stable rates can be advantageous. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of February 25, 2026, used auto loan rates at ATOMIC remain stable, holding steady between 2.50% and 13.21% APR over the past 30 days. Motorcycle loan rates slightly increased to a fixed 9.88% APR from a previous range of 9.50% to 9.88%. Meanwhile, recreational vehicle loans saw a modest rise on the lower end, now ranging from 8.36% to 9.21% APR, up from 7.99%. For members seeking affordability, the used auto loan offers the broadest rate range, providing options for various credit profiles. Consider longer terms to reduce monthly payments if cash flow is a concern. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of February 25, 2026, VYSTAR’s used auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent low rate offers members affordable financing without recent fluctuations. For those prioritizing predictable payments, locking in this stable rate could be beneficial. To explore various term options and find a plan that suits your budget, consider checking long-term loan alternatives. 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 over the past week, showing stability after a previous high of 6.24% fifteen and thirty days ago. This consistent lower rate range offers members affordable financing options compared to earlier in the month. Consider locking in these rates now to benefit from current pricing before any potential increases. 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, offering consistent financing options for members. The stable rate range supports affordability for a variety of credit profiles. Members seeking manageable payments should consider longer-term loans within this product to optimize monthly costs. Monitoring rate trends can help identify the best time to apply. 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, unchanged over the past 30 days. This stable range offers members consistent affordability when financing used vehicles. For those seeking predictable payments, locking in current rates may be advantageous before any market shifts occur. Explore loan terms carefully to balance monthly costs and total interest paid. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this month, with Used Auto loans holding at 3.50% to 5.25% APR and the Other used vehicle category stable between 3.50% and 6.50% APR over the past 30 days. These consistent rates offer members reliable financing options for pre-owned vehicles without sudden cost increases. For those seeking affordability, Used Auto loans present the most competitive rates available. Consider comparing term lengths to balance monthly payments and total interest paid. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
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, offering consistent financing options for members. This stable range provides a reliable opportunity for affordable used vehicle purchases without recent rate increases. Consider longer-term loans to manage monthly payments effectively while taking advantage of these unchanged rates. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
LendMesh
If your monthly car payment feels too high, it might be time for a better deal. With LendMesh, you can explore refinancing options that lower your rate or shorten your loan term. Keep more money in your pocket—visit https://www.lendmesh.com/loans/vehicle_loans and see what’s possible.
Conclusion
Looking ahead, seizing today’s low-rate environment can be a game changer, especially if you’re refinancing an existing loan or planning a purchase soon. Keep an eye on credit unions like United Heritage for ultra-low auto APRs and consider locking in your rate promptly since vehicle financing markets can shift quickly without warning. For families and motorcycle owners weighing options, it might be wise to compare offers from multiple credit unions to find the best fit based on your credit profile and loan term preferences. If you already have a vehicle loan with a higher rate, explore refinancing possibilities now to reduce monthly payments or shorten your payoff timeline. Finally, stay informed about credit union promotions and seasonal incentives that often appear in spring and summer months, these can further enhance savings when combined with attractive APRs seen today. Smart timing paired with thorough research will ensure you get the most value from your next vehicle financing decision.