Introduction
As of March 20, 2026, savvy vehicle buyers can take advantage of some of the best credit union loan rates available today. If you’re hunting for a great deal on an auto loan, Marine Credit Union offers the lowest APR starting at an unbeatable 2.10%, making it an excellent option for car shoppers aiming to save on financing costs. Motorcycle enthusiasts will find competitive rates at REV Credit Union, with rates as low as 6.75%. While most rates have remained steady over the past month, keep an eye on Atomic Credit Union’s recreational loans, which saw a slight uptick in their range from 7.99% to 9.21%. For families and everyday drivers looking for solid mid-range options, Tyndall and Pentagon Credit Unions both hold steady with auto loan rates beginning around 3.24%. Whether you’re buying new or used, locking in one of these low APRs could save you hundreds over your loan term, so it pays to compare today’s rates carefully before signing on the dotted line.
New - Vehicle Loans
Credit Union
Product
2026-03-20
(Current Day)
(Current Day)
2026-03-13
(7 Days Ago)
(7 Days Ago)
2026-03-05
(15 Days Ago)
(15 Days Ago)
2026-02-18
(30 Days Ago)
(30 Days Ago)
2026-02-03
(45 Days Ago)
(45 Days Ago)
2026-01-19
(60 Days Ago)
(60 Days Ago)
2025-12-20
(90 Days Ago)
(90 Days Ago)
2025-09-21
(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
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
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
3.24 - 6.29
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.49 - 5.39▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.24▲ 25 bps
Auto
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 6.24
3.24
3.24 - 6.24
3.24 - 6.74
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 - 6.69
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
4.00 - 7.49▲ 51 bps
Auto
3.50 - 4.25
3.50 - 4.25
3.50 - 5.75
3.50 - 5.75
3.50 - 5.75
3.50 - 7.25
3.50 - 7.25
MARINE FEDERAL CREDIT UNION
As of March 20, 2026, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This consistency offers members reliable financing options for new vehicles without unexpected rate increases. The lowest rates at 2.10% provide strong value for borrowers seeking affordable financing. For those prioritizing manageable monthly payments, consider exploring longer-term loan options within this stable rate range. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of March 20, 2026, REV’s new vehicle loan rates remain steady across all products compared to the past 30 days. New Auto loans hold at 4.00% to 6.25% APR, providing a competitive range for members seeking affordable financing. The most accessible option is within the Other category, with rates starting as low as 2.50% APR, ideal for diverse vehicle needs. Motorcycle and Recreational loans maintain consistent rates at 6.75% to 7.25% and 7.75% APR, respectively. For members prioritizing lower monthly payments, consider exploring longer-term loan options within these stable rate ranges. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of March 20, 2026, ATOMIC’s new auto loan rates remain steady at 2.50% to 13.21% APR, showing no change over the past 30 days. The motorcycle loan rate holds at 9.88% APR, consistent with last week but slightly up from the lower end of 9.50% seen 30 days ago. For recreational vehicles, rates range from 8.36% to 9.21% APR, unchanged for two weeks but up slightly from 7.99% a month ago. Members seeking affordability should consider new auto loans for the lowest starting rates; reviewing longer-term options may help balance monthly payments and overall cost. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
BAXTER CREDIT UNION
As of March 20, 2026, BAXTER’s new auto loan rates remain steady, holding at 3.24% to 6.29% APR, unchanged from one week ago but improved from 3.49% fifteen and thirty days prior. This stability benefits members seeking affordable financing with consistent rates. For those prioritizing lower monthly payments, consider exploring longer-term loan options to maximize affordability. Staying informed about these rate trends can help members make better financing decisions. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
TYNDALL FEDERAL CREDIT UNION
As of March 20, 2026, TYNDALL’s new auto loan rates remain stable at 3.24% to 5.69% APR, with no changes over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide added flexibility. Maintaining steady rates supports member affordability in today’s market. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of March 20, 2026, PENTAGON’s new auto loan rates remain steady, holding at 3.39% to 5.74% APR with no changes over the past 30 days. This consistency offers reliable financing options for members seeking affordable rates on new vehicles. For those prioritizing lower monthly payments, exploring longer-term loans may provide additional savings despite stable APRs. Staying informed about rate trends can help members plan effectively for their vehicle purchase. For more details, visit https://www.penfed.org/auto#navRates.
SHELL FEDERAL CREDIT UNION
As of March 20, 2026, SHELL's new auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This consistent range offers members predictable financing options for new vehicles. For those seeking affordability, the lowest rates at 3.49% APR provide competitive borrowing costs. Members may consider longer-term loans to lower monthly payments while securing stable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LEADERS CREDIT UNION
As of March 20, 2026, new auto loan rates at LEADERS CREDIT UNION have decreased from 3.99% to 3.49% over the past 30 days, offering members more affordable financing options. The Motorcycle loan rate remains steady at 8.04%, with no recent changes. Rates for the Other vehicle loan category hold firm between 8.49% and 9.49%. For members seeking lower monthly payments, consider exploring longer-term new auto loans to optimize affordability. For more details, visit https://www.leaderscu.com/auto-loans,
DADE COUNTY FEDERAL CREDIT UNION
For March 20, 2026, DADE COUNTY’s new auto loan rates remain steady at 3.49% to 6.69% APR, with no changes over the past 30 days. This stability provides members consistent access to affordable financing for new vehicles. To optimize your budget, consider longer-term loans for lower monthly payments while maintaining competitive rates. For more details, visit https://www.dcfcu.org/loan-rates.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
For new auto loans at UNIVERSITY OF ILLINOIS COMMUNITY, rates have remained steady at 3.50% to 4.25% APR over the past week, improving from a higher upper range of 5.75% fifteen and thirty days ago. This represents a significant rate tightening, offering members more affordable financing options than earlier this month. New auto loans now provide better value for borrowers seeking competitive rates. Consider shorter-term loans to maintain low APRs and manage monthly payments effectively. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Getting pre-approved for a car loan is like walking into the dealership with the upper hand. LendMesh makes it easy by connecting you to banks and credit unions ready to compete for your business. Start your search smart at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to explore refinancing if your current vehicle loan has a higher interest rate than those listed here, especially if you financed before recent drops in top-tier credit union offers. Consider reaching out to Marine or REV Credit Union first for their standout low rates and inquire about any special programs that might apply to your situation. If you’re planning to buy a motorcycle or recreational vehicle, don’t overlook the steady deals available at REV and Atomic Credit Unions. Remember, consistently stable rates like these suggest no immediate rush but staying informed will help you act swiftly when opportunities arise. Ultimately, keeping tabs on credit union rates can empower you to make financially sound decisions, whether that means securing a new loan today or timing your purchase for even better terms soon.