Introduction
As of March 13, 2026, car shoppers and vehicle enthusiasts are seeing some attractive financing options at credit unions. The standout deal today is from MARINE Credit Union, offering an impressively low auto loan APR starting at 2.10%, which remains steady over the past month, a great opportunity to lock in a super-low rate. Motorcycle buyers will find REV’s rates appealing, holding firm between 6.75% and 7.25% with no recent changes. For those interested in recreational vehicles, REV’s fixed 7.75% APR offers predictable payments without surprises. On the other hand, some lenders like DADE COUNTY saw a slight increase on their lowest auto rate by 75 basis points over the past month, signaling a small shift that buyers should watch closely. Meanwhile, ATOMIC Credit Union’s motorcycle rates remain steady near 9.88%, providing a consistent option for riders. If you’re in the market now, focusing on credit unions like MARINE or VYSTAR with sub-3% auto loan rates could save you hundreds over the life of your loan. Keeping an eye on these stable or improving rates can position you to get the best financing deal on your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2026-03-13
(Current Day)
(Current Day)
2026-03-06
(7 Days Ago)
(7 Days Ago)
2026-02-26
(15 Days Ago)
(15 Days Ago)
2026-02-11
(30 Days Ago)
(30 Days Ago)
2026-01-27
(45 Days Ago)
(45 Days Ago)
2026-01-12
(60 Days Ago)
(60 Days Ago)
2025-12-13
(90 Days Ago)
(90 Days Ago)
2025-09-14
(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
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
2.50 - 13.21
5.49 - 5.83▲ 299 bps
5.49 - 5.83▲ 299 bps
Motorcycle
9.88
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
Recreational
8.36 - 9.21
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
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 - 6.74
Auto
3.24 - 6.29
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.99 - 6.29▲ 75 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.64 - 6.39▲ 40 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
Auto
3.49
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
MARINE FEDERAL CREDIT UNION
As of March 13, 2026, MARINE’s new auto loan rates remain steady, ranging from 2.10% to 11.15% APR over the past 30 days. This stability offers members consistent financing options for new vehicles without rate fluctuations. For those seeking affordability, the lowest rates at 2.10% APR provide strong value. Members considering long-term financing may benefit from exploring extended loan terms to manage monthly payments effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
As of March 13, 2026, new vehicle loan rates at REV remain stable with no changes in the past 30 days. Auto loans hold steady between 4.00% and 6.25% APR, offering affordable financing options. The Motorcycle loans range from 6.75% to 7.25% APR, while Recreational loans are fixed at 7.75% APR. Notably, the Other vehicle loan category provides the widest range, from 2.50% up to 14.50% APR, catering to varied member needs. Members seeking lower monthly payments should consider longer-term options within these rates for better budgeting flexibility. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of March 13, 2026, ATOMIC’s new vehicle loan rates remain stable. The Auto loan APR holds steady between 2.50% and 13.21%, offering consistent affordability for members. The Motorcycle loan rate remains fixed at 9.88%, unchanged over the past week. Recreational loans show no significant change, ranging from 8.36% to 9.21%, maintaining competitive terms compared to a slight dip last month. Members seeking cost-effective financing should consider the low starting APR on new auto loans and review term options to manage monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of March 13, 2026, VYSTAR’s new auto loan APR remains steady at 2.94%, showing no change over the past 30 days. This consistent low rate offers members a reliable option for financing new vehicles affordably. For those seeking predictable monthly payments, locking in this stable rate could be advantageous. Explore longer-term loans to potentially lower monthly costs while maintaining this competitive APR. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates,
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 5.69% APR over the past 30 days, with no recent changes. This consistency offers members predictable financing costs for new vehicles. The lowest rates continue to provide affordable options for buyers seeking competitive terms. Consider longer-term loans to manage monthly payments while maintaining these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of March 13, 2026, BAXTER’s new auto loan rates remain stable, holding steady at 3.24% to 6.29% APR over the past week. Compared to 15 and 30 days ago, rates have decreased from a previous low of 3.49%, offering better affordability for members seeking new vehicle financing. For those prioritizing lower monthly payments, exploring longer-term loan options could enhance budget flexibility while locking in these competitive rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
PENTAGON FEDERAL CREDIT UNION
As of March 13, 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 consistency offers members predictable financing costs for new vehicles. For those seeking affordable monthly payments, exploring longer-term loan options may provide additional savings. Staying informed on stable rates helps plan vehicle purchases with confidence. For more details, visit https://www.penfed.org/auto#navRates.
DADE COUNTY FEDERAL CREDIT UNION
As of March 13, 2026, DADE COUNTY’s new auto loan rates remain steady at 3.49% to 6.69% APR, unchanged from one and two weeks ago but improved from 30 days ago when rates ranged up to 6.94%. This stability offers members consistent access to competitive financing for new vehicles. For those seeking the lowest rates, the 3.49% APR remains the most affordable option. Consider evaluating different loan terms to balance monthly payments and overall cost effectively. For more details, visit https://www.dcfcu.org/loan-rates.
SHELL FEDERAL CREDIT UNION
As of March 13, 2026, SHELL's new auto loan rates remain steady at 3.49% to 18.00% APR, showing no changes over the past 30 days. The consistent low starting rate offers affordable financing options for members seeking new vehicles. For those prioritizing manageable monthly payments, exploring longer-term loans may provide added flexibility. Staying informed on rate stability helps members plan their vehicle purchases with confidence. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LEADERS CREDIT UNION
As of March 13, 2026, LEADERS CREDIT UNION's new auto loan APR remains steady at 3.49%, down 50 basis points from 15 days ago, offering the most affordable financing option for members. Motorcycle loans hold firm at 8.04%, with no recent changes. The Other vehicle loan rates range from 8.49% to 9.49%, unchanged over the past month. Members seeking lower monthly payments should consider longer-term auto loan options for greater affordability. For more details, visit https://www.leaderscu.com/auto-loans.
LendMesh
Buying a car is a big deal. Financing it shouldn’t feel like one. LendMesh brings you side-by-side comparisons of real vehicle loan rates from banks and credit unions that want your trust—not just your signature. Discover your best offer now at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, if you’re considering buying a new or used vehicle soon, acting quickly to secure one of today’s lowest APRs, especially from MARINE or VYSTAR, can maximize your savings before any potential rate increases. For current borrowers, it may be worth exploring refinancing opportunities with these credit unions to lower your monthly payments or shorten your loan term. Motorcycle and recreational vehicle buyers should also stay alert for stable rates at REV and ATOMIC that could offer solid financing without stretching budgets. Finally, regularly reviewing your credit union’s rate updates can help you time your purchase strategically and avoid surprises. Smart planning combined with competitive credit union rates means you can confidently finance your next ride while keeping more money in your pocket.