Introduction
As of March 18, 2026, savvy vehicle buyers can capitalize on some standout financing deals at credit unions nationwide. The lowest auto loan APR is a remarkable 2.10% at Marine Credit Union, offering exceptional savings for car shoppers ready to make a move. Motorcycle enthusiasts also have attractive options, with Atomic Credit Union holding steady at 9.88%, while RV buyers can find rates as low as 7.75% at REV Credit Union. Notably, VyStar Credit Union recently dropped its auto rate dramatically from a range topping at 8.84% down to a flat 2.94% today, marking a significant opportunity if you’re in their service area. Rates have largely remained stable over the past month, providing predictable footing for budgeting your next ride. Whether you’re looking for a family SUV, a sleek motorcycle, or a fun recreational vehicle, now is an excellent time to explore credit union loans that combine competitive APRs with member-focused terms, smart moves that can save you hundreds or even thousands over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2026-03-18
(Current Day)
(Current Day)
2026-03-11
(7 Days Ago)
(7 Days Ago)
2026-03-03
(15 Days Ago)
(15 Days Ago)
2026-02-16
(30 Days Ago)
(30 Days Ago)
2026-02-01
(45 Days Ago)
(45 Days Ago)
2026-01-17
(60 Days Ago)
(60 Days Ago)
2025-12-18
(90 Days Ago)
(90 Days Ago)
2025-09-19
(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
2.50 - 13.21
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
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
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
2.50 - 14.50
6.75 - 9.25▲ 425 bps
Auto
3.24 - 5.69
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 - 7.24
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
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 - 16.25
3.50 - 16.25
3.50 - 16.75
3.75 - 16.75▲ 25 bps
3.75 - 16.25▲ 25 bps
3.75 - 16.75▲ 25 bps
3.75 - 16.75▲ 25 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
4.00▲ 50 bps
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
MARINE FEDERAL CREDIT UNION
For March 18, 2026, used auto loan rates at MARINE remain steady between 2.10% and 11.15% APR, showing no change over the past 30 days. This consistency offers members reliable financing options with competitive rates on used vehicles. For those seeking affordability, the lower end of this range provides strong value. Consider evaluating different loan terms to find a balance between monthly payments and overall cost. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of March 18, 2026, ATOMIC’s used auto loan rates remain steady at 2.50% to 13.21% APR, offering consistently affordable financing options. The motorcycle loan rate holds firm at 9.88% APR, with no recent changes after a slight increase from 9.50% thirty days ago. Recreational vehicle loans are stable between 8.36% and 9.21% APR, showing no movement over the past month. Members seeking cost-effective financing should consider used auto loans for the broadest rate range or explore recreational loans for moderate rates. Check longer-term loan options to manage monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of March 18, 2026, used vehicle loan rates at REV remain steady across all products with no changes in APR over the past 30 days. The most affordable option is the Other vehicle loan, ranging from 2.50% to 14.50% APR, offering flexibility for diverse financing needs. Used auto loans hold a consistent range of 4.75% to 6.50% APR, while motorcycle loans and recreational loans stay at 6.75% to 7.25% APR and a fixed 7.75% APR, respectively. Members seeking predictable payments should consider longer terms where available. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
Used auto loan rates at VYSTAR remain steady at a competitive 2.94% APR today, matching the rate from 30 days ago and showing a significant decrease from the 5.54% to 8.84% range seen 7 and 15 days ago. This stable low rate offers members an affordable option for financing used vehicles. For those seeking to manage monthly payments effectively, consider exploring longer-term loan options to maximize affordability. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
For March 18, 2026, TYNDALL's used auto loan rates remain steady at 3.24% to 5.69% APR, showing no change over the past 30 days. This consistency offers members predictable financing costs for used vehicles. To maximize affordability, consider shorter loan terms which often provide lower rates. Monitoring rate trends can help you decide when to finance or refinance your vehicle loan. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
LEADERS CREDIT UNION
As of March 18, 2026, used auto loan rates at LEADERS CREDIT UNION remain steady at 3.49% APR, down from 3.99% fifteen and thirty days ago, marking a notable improvement in affordability. Meanwhile, motorcycle loan rates hold firm at 8.04% APR with no recent changes. For members seeking cost-effective financing, the used auto loan offers the most competitive rate. Consider exploring longer loan terms to manage monthly payments more comfortably. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of March 18, 2026, SHELL's used auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This stability offers members consistent financing terms for used vehicles. For those seeking affordability, the lower end of this range presents competitive options. Consider longer loan terms to reduce monthly payments while managing overall interest costs effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
As of March 18, 2026, FIVEPOINT’s Used Auto Loan rates remain steady, holding at 3.50% to 16.25% APR, with the lowest rates unchanged over the past 30 days. Notably, the upper APR has decreased slightly from 16.75% to 16.25%, offering members better affordability on higher-risk loans. Members seeking cost-effective financing should consider loans near the 3.50% rate for maximum savings. For those prioritizing manageable monthly payments, exploring longer-term options within this range may provide additional relief. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 3.50% to 6.75% APR over the past 30 days, providing consistent affordability for members. This stability offers an opportunity to plan vehicle financing without concern for rate increases. For members seeking manageable payments, consider longer-term loans to spread costs evenly. Maintaining these competitive rates supports accessible used vehicle financing options. 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, with Auto loans holding steady between 3.50% and 5.25% APR over the past 30 days. Similarly, the Other vehicle loan category maintains a range of 3.50% to 6.50% APR without change. The consistent low-end rates on used auto loans offer members affordable financing options. For those seeking flexibility, exploring the Other category could address diverse vehicle needs while keeping costs predictable. Review loan terms carefully to balance monthly payments and total interest paid. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, consider locking in today’s low rates before any market shifts occur, especially if you’re financing through credit unions like Marine or VyStar, where rates are impressively low right now. If you already have a vehicle loan with higher interest, exploring refinancing options could free up cash flow and reduce your monthly payments significantly. For families planning new purchases, starting the process early to compare these stable credit union rates will give you leverage and confidence when negotiating your loan terms. Keep an eye on weekly updates since some lenders like VyStar can adjust rates quickly, creating windows of opportunity. Ultimately, being proactive and informed about credit union offers puts you in control, whether buying new or refinancing, helping ensure you get the best deal possible on your next vehicle financing journey.