Introduction
On March 6, 2026, savvy vehicle buyers have plenty of reason to smile. The lowest APR for auto loans stands impressively at 2.10% with Marine Credit Union, offering a standout deal for anyone looking to finance a car. Motorcycle enthusiasts can find competitive rates too, with REV Credit Union leading at a low 6.75%, while recreational vehicle financing sees attractive rates starting at 7.75% from REV as well. Notably, most credit unions have maintained steady rates over the past month, signaling stability in the market. One exception is Baxter Credit Union, which saw its lowest auto loan rate improve by 25 basis points since 30 days ago, now starting at 3.24%. For families and individuals hunting for the best financing options, locking in these low rates could mean substantial savings over the life of your loan. With rates holding firm and some showing slight improvements, today’s market presents a prime opportunity to secure affordable financing for your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2026-03-06
(Current Day)
(Current Day)
2026-02-27
(7 Days Ago)
(7 Days Ago)
2026-02-19
(15 Days Ago)
(15 Days Ago)
2026-02-04
(30 Days Ago)
(30 Days Ago)
2026-01-20
(45 Days Ago)
(45 Days Ago)
2026-01-05
(60 Days Ago)
(60 Days Ago)
2025-12-06
(90 Days Ago)
(90 Days Ago)
2025-09-07
(180 Days Ago)
(180 Days Ago)
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
2.50 - 13.21
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
Motorcycle
9.88
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
Recreational
8.36 - 9.21
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
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
Motorcycle
6.75 - 7.25
6.75 - 7.25
6.75 - 7.25
6.75 - 7.25
6.75 - 7.25
6.75 - 7.25
Other
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
6.75 - 9.25▲ 425 bps
2.50 - 6.75
Auto
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.99 - 6.29▲ 75 bps
3.49 - 5.99▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.64 - 6.39▲ 40 bps
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
3.24 - 6.74
Auto
3.49
3.99▲ 50 bps
3.99▲ 50 bps
3.99▲ 50 bps
3.99 - 9.49▲ 50 bps
3.99 - 9.49▲ 50 bps
3.99 - 9.49▲ 50 bps
Auto
3.49 - 6.69
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
4.00 - 8.00▲ 51 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
MARINE FEDERAL CREDIT UNION
As of March 6, 2026, MARINE’s new auto loan rates remain steady at an APR range of 2.10% to 11.15%, unchanged over the past 30 days. This stability provides members with consistent financing options for new vehicles. For those seeking lower monthly payments, exploring longer-term loans within this rate range may offer added flexibility. Members can confidently plan purchases knowing rates have not increased recently. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of March 6, 2026, ATOMIC’s new auto loan rates remain steady between 2.50% and 13.21% APR, offering consistent affordability for members. The motorcycle loan rate holds at 9.88% APR, showing a slight increase from the previous 15 days when rates dipped to as low as 9.50%. Recreational vehicle loans range from 8.36% to 9.21% APR, unchanged over the past week but slightly higher than 30 days ago. Members seeking cost-effective financing should consider the stable low-end auto loan rates or explore recreational loans for moderate rates. Check long-term loan options for manageable monthly payments. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of March 6, 2026, REV’s new vehicle loan rates remain steady with no changes over the past 30 days. The most affordable option is the Other loan program, ranging from 2.50% to 14.50% APR, offering flexibility for varied vehicle types. New Auto loans hold firm between 4.00% and 6.25% APR, providing competitive financing for standard vehicles. For members seeking recreational financing, the fixed rate stands at 7.75% APR. To optimize your monthly payments, consider exploring longer-term loan options within these stable rates. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of March 6, 2026, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs on new vehicles. For those seeking affordable financing, the 2.94% APR on new auto loans continues to be a competitive option. Consider longer-term loans to manage monthly payments effectively while benefiting from this stable rate. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
BAXTER CREDIT UNION
As of March 6, 2026, BAXTER’s new auto loan rates have decreased at the lower end from 3.49% to 3.24% APR over the past 15 days, marking a notable improvement for borrowers seeking affordability. The upper rate remains steady at 6.29%. This reduction highlights value for members looking to finance new vehicles with competitive rates. For those prioritizing manageable monthly payments, exploring longer-term loan options could provide further financial flexibility. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
TYNDALL FEDERAL CREDIT UNION
As of March 6, 2026, TYNDALL’s new auto loan rates remain steady, ranging from 3.24% to 5.69% APR, unchanged over the past 30 days except for a previous high of 6.24%. This stability offers members consistent affordability for new vehicle financing. To optimize monthly payments, consider longer-term loans within this rate range. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of March 6, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, showing no change over the past 30 days. This stability offers members consistent access to affordable financing for new vehicles. For those seeking cost-effective options, the lowest rates at 3.39% present a valuable opportunity. Consider longer-term loans if you prefer reduced monthly payments while maintaining these competitive rates. For more details, visit https://www.penfed.org/auto#navRates,
LEADERS CREDIT UNION
As of March 6, 2026, new auto loan rates at LEADERS CREDIT UNION have decreased to 3.49% APR, down from 3.99% over the past 30 days, offering members improved affordability. Motorcycle loan rates remain steady at 8.04% APR, while the Other vehicle loan range holds firm between 8.49% and 9.49% APR. For members seeking cost-effective financing, the new auto loan presents the most competitive rate currently available. Consider longer-term loans to lower monthly payments while locking in favorable rates. For more details, visit https://www.leaderscu.com/auto-loans,
DADE COUNTY FEDERAL CREDIT UNION
For new auto loans at DADE COUNTY, rates remain steady at 3.49% to 6.69% APR over the past week and 15 days, reflecting a notable improvement from 30 days ago when rates ranged from 4.24% to 6.94%. This stability offers members access to some of the most affordable financing options currently available. Members seeking cost-effective financing should consider locking in these competitive rates now. For more details, visit https://www.dcfcu.org/loan-rates.
SHELL FEDERAL CREDIT UNION
As of March 6, 2026, SHELL's new auto loan rates remain stable, holding steady at 3.49% to 18.00% APR over the past 30 days. This consistency provides members with predictable financing costs on new vehicles. The lowest rates at 3.49% APR offer affordable options for qualified borrowers seeking competitive terms. Members looking to manage monthly payments might consider longer loan terms within this range to balance affordability and repayment duration. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
Thinking about refinancing your current auto loan? It could lower your rate and free up cash each month. LendMesh makes it easy to see your refinance options in one place—from trusted banks and credit unions. Explore smarter ways to drive at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, now is an excellent time to consider locking in those low APRs, especially if you’re planning to buy or refinance soon. If you currently carry higher-rate auto or motorcycle loans, exploring refinancing options with credit unions like Marine or REV could reduce your monthly payments significantly. For buyers eyeing recreational vehicles, stable rates suggest that waiting won’t necessarily yield better deals, so acting sooner rather than later may be wise. Keep an eye on credit union promotions and eligibility requirements to maximize your savings potential. Ultimately, maintaining good credit and comparing multiple offers will give you the strongest position when negotiating loan terms. Remember, smart timing combined with informed choices can save you hundreds or even thousands over the course of your loan, making every drive more enjoyable and affordable.