Introduction
If you’re shopping for a vehicle on March 11, 2026, today’s credit union loan rates offer some excellent opportunities to save. The lowest APR available is a remarkable 2.10% for auto loans at MARINE Credit Union, making it a top pick for car buyers seeking the best financing deal. Motorcycle enthusiasts should also note that LEADERS CREDIT UNION offers a solid rate of 8.04%, stable this week, while ATOMIC’s recreational loan rates remain competitive between 8.36% and 9.21%. Most rates have held steady over the past month, with no significant changes exceeding a few basis points, which means you can confidently plan your purchase without worrying about sudden rate jumps. For families eyeing larger vehicles or recreational options, REV and COMMUNITY RESOURCE credit unions provide diverse options with rates ranging from mid-4% to nearly 10%. Whether you’re buying new or used, focusing on these steady, affordable rates can help you lock in favorable terms and avoid costly interest down the road.
Used - Vehicle Loans
Credit Union
Product
2026-03-11
(Current Day)
(Current Day)
2026-03-04
(7 Days Ago)
(7 Days Ago)
2026-02-24
(15 Days Ago)
(15 Days Ago)
2026-02-09
(30 Days Ago)
(30 Days Ago)
2026-01-25
(45 Days Ago)
(45 Days Ago)
2026-01-10
(60 Days Ago)
(60 Days Ago)
2025-12-11
(90 Days Ago)
(90 Days Ago)
2025-09-12
(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
4.75 - 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
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 - 6.24
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
3.49
3.99▲ 50 bps
3.99▲ 50 bps
3.99▲ 50 bps
3.99▲ 50 bps
3.99 - 9.49▲ 50 bps
3.99 - 9.49▲ 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
3.95 - 6.75▲ 45 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
3.50 - 5.25
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
3.50 - 6.50
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
Auto
3.75 - 5.75
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
MARINE FEDERAL CREDIT UNION
As of March 11, 2026, MARINE's used auto loan rates remain steady at 2.10% to 11.15% APR, with no changes over the past 30 days. This consistent rate range offers members reliable financing options for used vehicles. For those seeking affordable monthly payments, exploring longer-term loan durations may help manage costs effectively. Staying informed on rate stability can assist in timing your loan application wisely. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week. Auto loan APRs hold firm between 2.50% and 13.21%, maintaining the most affordable range for members seeking used vehicles. The Motorcycle loan rate is stable at 9.88%, showing a slight increase from the lower end of 9.50% two weeks ago. Recreational loans hold between 8.36% and 9.21%, consistent with last week but up slightly from earlier in the month. Members looking for lower monthly payments should consider longer-term options within these ranges to optimize affordability. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of March 11, 2026, used vehicle loan rates at REV remain steady across all products with no changes over the past 30 days. Used Auto loans offer competitive rates between 4.75% and 6.50% APR, providing an affordable option for many members. The widest rate range appears in the Other category, from 2.50% to 14.50% APR, reflecting varied loan types and risk profiles. Members seeking consistent rates might consider the Recreational loan fixed at 7.75% APR. For potentially lower monthly payments, explore longer-term financing within these stable rate ranges. For more details, visit https://www.revfcu.com/rates/.
TYNDALL FEDERAL CREDIT UNION
As of March 11, 2026, TYNDALL’s Used Auto Loan APR remains stable between 3.24% and 5.69%, unchanged over the past 30 days except for a slight decrease from 6.24% to 5.69% at the higher end. This consistency offers members affordable financing options with competitive rates. For those seeking manageable monthly payments, exploring longer-term used auto loans may be beneficial. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of March 11, 2026, SHELL's Used Auto Loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. This stable rate range offers members consistent options for financing used vehicles affordably. For those seeking lower monthly payments, consider longer-term loan options within this rate structure to optimize your budget. Monitoring these rates can help you time your loan application effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
LEADERS CREDIT UNION
For used vehicle loans at LEADERS CREDIT UNION, the Auto loan APR decreased to 3.49% today from 3.99% over the past 30 days, marking a significant drop of 50 basis points and offering members more affordable financing options. The Motorcycle loan rate remains steady at 8.04% with no change in the last month. For those seeking cost-effective used auto financing, now is an advantageous time to explore these lower rates. Consider longer-term loans to reduce monthly payments while benefiting from these competitive rates. For more details, visit https://www.leaderscu.com/auto-loans.
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 stability offers members predictable financing costs for used vehicles, making it easier to plan budgets. For those seeking cost-effective options, the lower end of this range provides competitive affordability. Consider shorter-term loans if you want to reduce interest paid overall while maintaining manageable monthly payments. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable this month, with Auto loans holding steady between 3.50% and 5.25% APR over the past 30 days. The Other used vehicle loans continue at 3.50% to 6.50% APR, offering a wider rate range for diverse financing needs. For members seeking affordable options, used auto loans provide consistent competitive rates. Consider longer-term loans to lower monthly payments if budgeting flexibility is important. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
COMMUNITY RESOURCE CREDIT UNION
As of March 11, 2026, COMMUNITY RESOURCE's Used Auto Loan rates remain steady between 3.74% and 9.79% APR, unchanged over the past 30 days. This consistent rate range offers predictable financing costs for members seeking affordable used vehicle loans. Members looking to manage monthly payments should consider longer-term loan options, which may provide more manageable payment plans despite similar APRs. For transparent rate details and to explore your financing options, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
For used auto loans at University of Illinois Community, rates remain steady at 3.75% to 5.75% APR, improving from last month’s upper range of 7.25%. This reduction offers members more affordable financing options than in previous weeks. If you’re seeking lower monthly payments, consider exploring longer-term loan plans to maximize savings. Staying informed on these trends can help secure competitive rates for your next vehicle purchase. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
A better car doesn’t have to mean a worse budget. LendMesh helps you find vehicle loans with low rates and fair terms—so you can upgrade your ride without the financial stress. Compare lender offers in real time at https://www.lendmesh.com/loans/vehicle_loans and take the wheel with confidence.
Conclusion
Looking ahead, if you’re considering refinancing your current vehicle loan or purchasing soon, now is an excellent time to act, especially with MARINE’s standout low auto loan APR of 2.10% still available. Keep an eye on credit unions offering flexible terms like TYNDALL or POLISH & SLAVIC if you want moderate rates between 3% and 6%. For motorcycle and recreational vehicle buyers, locking in rates before any potential shifts can protect your budget. Also consider checking your eligibility with multiple credit unions since rates and programs vary widely by lender and vehicle type. To maximize savings, aim to improve your credit score before applying and compare offers side-by-side. Staying proactive will position you to take advantage of these competitive credit union deals, whether upgrading your ride or refinancing, to keep more money in your pocket over the life of your loan.