Introduction
As of February 27, 2026, savvy vehicle shoppers have plenty of reasons to smile. United Heritage Credit Union leads with the lowest auto loan rates starting at an incredibly low 1.99% APR, making it a prime choice for anyone looking to finance a new car. Motorcycle enthusiasts should take note as United Heritage also offers competitive motorcycle loan rates beginning at 5.90%, steady over the past month. While most credit unions have maintained stable rates, some programs like Tyndall’s auto loans show a slight tightening on the upper end, down by about 55 basis points from last month, hinting at subtle market shifts. For buyers eyeing recreational vehicles, United Heritage again stands out with rates as low as 8.40%. Whether you’re shopping for a family car or your next adventure bike, today’s stable and attractive rates mean now is a great time to explore financing options that can save you money over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2026-02-27
(Current Day)
(Current Day)
2026-02-20
(7 Days Ago)
(7 Days Ago)
2026-02-12
(15 Days Ago)
(15 Days Ago)
2026-01-28
(30 Days Ago)
(30 Days Ago)
2026-01-13
(45 Days Ago)
(45 Days Ago)
2025-12-29
(60 Days Ago)
(60 Days Ago)
2025-11-29
(90 Days Ago)
(90 Days Ago)
2025-08-31
(180 Days Ago)
(180 Days Ago)
Auto
1.99 - 5.95
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
Motorcycle
5.90 - 6.90
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
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
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 - 5.69
3.24 - 5.69
3.24 - 6.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.74
Auto
3.49 - 6.29
3.49 - 6.29
3.49 - 6.29
3.49 - 5.99
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
4.39 - 6.39▲ 90 bps
Auto
3.49 - 6.69
3.49 - 6.69
4.24 - 6.94▲ 75 bps
4.24 - 6.94▲ 75 bps
4.24 - 6.94▲ 75 bps
4.24 - 6.94▲ 75 bps
4.24 - 6.94▲ 75 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
3.49 - 18.00
3.99 - 18.00▲ 50 bps
UNITED HERITAGE CREDIT UNION
As of February 27, 2026, UNITED HERITAGE's new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 1.99% to 5.95%, providing excellent financing options for members. Motorcycle loans hold steady between 5.90% and 6.90%, while Recreational vehicle loans range from 8.40% to 10.40%. For members seeking lower monthly payments, consider exploring longer-term loan options to maximize affordability. For more details, visit https://www.uhcu.org/loans/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of February 27, 2026, new auto loan rates at MARINE remain steady between 2.10% and 11.15% APR, showing no change over the past 30 days. This consistent rate range offers members reliable financing options for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan programs to balance affordability and loan duration. Staying informed on stable rates can help members make timely decisions when purchasing new vehicles. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
For new vehicle loans at ATOMIC, Auto loan rates remain steady between 2.50% and 13.21% APR, offering the most affordable financing option for members. Motorcycle loan rates edged slightly higher to 9.88% APR compared to last week’s 9.50, 9.88%. Recreational loans increased marginally, now ranging from 8.36% to 9.21% APR, up from 7.99% at the low end fifteen days ago. Members seeking cost-effective financing should consider new auto loans for their lower starting rates and explore longer terms to reduce monthly payments. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of February 27, 2026, REV’s new vehicle loan rates remain steady across all products with no changes over the past 30 days. New auto loans hold a competitive APR range of 4.00% to 6.25%, offering solid affordability for members. For those seeking the lowest rates, the “Other” loan category provides a wide range starting as low as 2.50% APR. Members might consider these options depending on vehicle type and financing needs. To optimize monthly payments, exploring longer-term loans could be beneficial given stable rates. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of February 27, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, showing no change over the past 30 days. This consistency offers members a reliable and affordable financing option for new vehicles. Maintaining a low, stable rate like this supports better budgeting and predictable monthly payments. Members considering new vehicle purchases should review loan terms to find the best fit for their financial goals. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of February 27, 2026, TYNDALL’s new auto loan rates remain steady, with APRs holding at 3.24% to 5.69% over the past 30 days, down from a previous high of 6.24%. This consistency offers members stable financing options for new vehicles. The lowest rates at 3.24% APR provide affordable borrowing opportunities. For members seeking predictable payments, consider locking in current rates promptly before potential market shifts. Check long-term loan terms to balance monthly payments and interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of February 27, 2026, PENTAGON’s new auto loan rates remain steady, holding at 3.39% to 5.74% APR over the past 30 days. This stability offers members consistent access to competitive financing for new vehicles. For those seeking affordability, the lower end of this range presents a valuable option. Consider exploring longer-term loans if you want to reduce monthly payments while maintaining a fixed rate. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
As of February 27, 2026, BAXTER’s new auto loan rates remain steady between 3.49% and 6.29% APR, unchanged from the past 15 days but slightly higher than the 5.99% upper rate seen 30 days ago. This consistency offers members predictable financing costs for new vehicle purchases. For those seeking affordability, the lower end at 3.49% APR presents a competitive option. Consider longer-term loans to manage monthly payments effectively while locking in stable rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DADE COUNTY FEDERAL CREDIT UNION
For new auto loans in DADE COUNTY, rates have remained stable at 3.49% to 6.69% APR over the past week but are down from 4.24% to 6.94% APR thirty days ago. This decline offers members access to more affordable financing compared to last month. Consider shorter loan terms if you want to secure the lower end of the rate range and reduce total interest costs. For more details, visit https://www.dcfcu.org/loan-rates,
SHELL FEDERAL CREDIT UNION
As of February 27, 2026, SHELL's new auto loan APRs remain steady at 3.49% to 18.00%, with no changes over the past 30 days. This stable rate range offers members predictable financing costs for new vehicles. For those seeking affordable financing, the lowest APR of 3.49% represents a competitive option. To manage monthly payments, consider longer-term loans that may offer lower rates within this range. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
Not sure where to start? LendMesh has your back. Our platform breaks down everything from APR to loan terms so you can make a confident decision. Compare offers now at https://www.lendmesh.com/loans/vehicle_loans and take the stress out of vehicle financing.
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Conclusion
Looking ahead, consider locking in today’s best auto loan rates before any potential hikes roll in, especially if you qualify for top-tier credit union offers like United Heritage’s ultra-low APRs. If you already own a vehicle, now might be an opportune moment to explore refinancing, especially if your current rate is above these new lows, to lower monthly payments or shorten your loan term. Families planning to upgrade can benefit from comparing multiple credit union programs to find tailored deals that fit their budget and lifestyle. Remember, staying informed and proactive in monitoring credit union rate trends gives you the edge to make smart financial moves with confidence. Keep an eye on changes in recreational and motorcycle loan rates too, as they can fluctuate more frequently and impact your financing strategy for those fun-to-drive vehicles.