Introduction
As of March 25, 2026, savvy vehicle shoppers have some exciting financing opportunities to explore. ABNB Credit Union leads the pack with an unbeatable low APR starting at just 1.00% for auto loans, offering one of the most competitive rates available today. Whether you’re hunting for a car or a motorcycle, credit unions like ATOMIC and REV provide a range of options, with ATOMIC’s motorcycle loans holding steady at 9.88% and REV’s motorcycle rates remaining consistent between 6.75% and 7.25%. While most rates have held firm over the past month, keep an eye on FIVEPOINT, where auto loan rates saw a slight dip from 3.75% to 3.50%, a modest but meaningful change for buyers planning their budget carefully. For families and enthusiasts eyeing recreational vehicles, ATOMIC offers solid choices between 8.36% and 9.21%. If you’re ready to save on your next vehicle purchase or refinance, tapping into these credit union deals could make all the difference.
Used - Vehicle Loans
Credit Union
Product
2026-03-25
(Current Day)
(Current Day)
2026-03-18
(7 Days Ago)
(7 Days Ago)
2026-03-10
(15 Days Ago)
(15 Days Ago)
2026-02-23
(30 Days Ago)
(30 Days Ago)
2026-02-08
(45 Days Ago)
(45 Days Ago)
2026-01-24
(60 Days Ago)
(60 Days Ago)
2025-12-25
(90 Days Ago)
(90 Days Ago)
2025-09-26
(180 Days Ago)
(180 Days Ago)
Auto
1.00 - 8.99
5.19 - 6.99▲ 419 bps
5.19 - 6.99▲ 419 bps
5.19 - 6.99▲ 419 bps
5.19 - 9.24▲ 419 bps
5.19 - 9.24▲ 419 bps
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
7.25▲ 50 bps
Other
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
2.50 - 14.50
2.50 - 4.27
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 - 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 - 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
3.50 - 16.25
3.50 - 16.25
3.50 - 16.25
3.75 - 16.75▲ 25 bps
3.75 - 16.25▲ 25 bps
3.75 - 16.25▲ 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
ABNB FEDERAL CREDIT UNION
As of March 25, 2026, ABNB's used auto loan rates remain steady at 1.00% to 8.99% APR, showing a significant improvement from the consistent 5.19% to 6.99% range over the past 30 days. This wider rate spread offers members greater flexibility in financing options, especially for those seeking lower interest costs. Consider exploring these competitive rates now to secure affordable financing tailored to your credit profile. For more details, visit https://www.abnbfcu.org/rates.html.
MARINE FEDERAL CREDIT UNION
As of March 25, 2026, MARINE’s Used Auto loan rates remain steady at 2.10% to 11.15% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs when purchasing used vehicles. For those seeking affordability, the lower end of the range at 2.10% APR represents a competitive option. Members considering longer repayment terms may benefit from exploring available options to balance monthly payments and total interest paid. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this week. Used Auto loans hold steady at 2.50% to 13.21% APR, offering the most affordable financing range for members. Motorcycle loans remain fixed at 9.88% APR, showing no change from last week but a slight increase from 9.50%, 9.88% a month ago. Recreational vehicle rates are unchanged at 8.36% to 9.21% APR, slightly higher than the 7.99% low seen 30 days ago. Members seeking lower monthly payments should consider longer-term auto loans within these stable rate ranges for better budgeting flexibility. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
REV FEDERAL CREDIT UNION
As of March 25, 2026, REV’s used vehicle loan rates remain steady across all products with no changes over the past 30 days. The most affordable option continues to be the Other loan program, offering rates from 2.50% to 14.50% APR, while Used Auto loans range between 4.75% and 6.50% APR. For members seeking specialized financing, Motorcycle loans hold at 6.75% to 7.25% APR, and Recreational loans are fixed at 7.75% APR. Consider longer terms for lower monthly payments if affordability is a priority. For more details, visit https://www.revfcu.com/rates/.
TYNDALL FEDERAL CREDIT UNION
As of March 25, 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 reliable financing for used vehicles without rate volatility. For members prioritizing affordability, the lower end of this range provides competitive borrowing costs. Review loan terms carefully to choose options that best fit your budget and repayment timeline. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
LEADERS CREDIT UNION
As of March 25, 2026, used auto loan rates at LEADERS CREDIT UNION have decreased by 50 basis points over the past 30 days, now at a competitive 3.49% APR. This marks the most affordable option for members seeking used vehicle financing. Meanwhile, used motorcycle loan rates remain steady at 8.04% APR with no recent changes. For members prioritizing lower monthly payments, exploring longer-term used auto loans could provide additional savings. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of March 25, 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 stability benefits members seeking predictable financing costs for used vehicles. For those aiming to reduce monthly payments, exploring longer-term loan options may provide better affordability. Consistently low starting rates offer value for creditworthy borrowers looking for competitive financing. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this month, with Used Auto loans holding at 3.50% to 5.25% APR and the Other used vehicle loans range stable at 3.50% to 6.50% APR over the past 30 days. The consistent rates offer members reliable financing options without sudden changes. For those seeking affordable used vehicle financing, Used Auto loans provide the most competitive rates. Consider your repayment term carefully; longer terms may lower monthly payments despite slightly higher overall interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
FIVEPOINT CREDIT UNION
As of March 25, 2026, FIVEPOINT’s Used Auto Loan rates remain steady at 3.50% to 16.25% APR, unchanged from the past 30 days. This consistency offers members predictable financing costs for used vehicles. The lowest rates starting at 3.50% APR provide an affordable option for creditworthy borrowers. For members seeking manageable monthly payments, consider exploring longer loan terms available under these rates. Maintaining stable rates supports better budgeting and financial planning. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of March 25, 2026, used auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 6.75% APR, showing no change over the past 30 days. This stability offers members consistent financing terms for used vehicles. For those seeking affordable options, the lower end of the rate range presents competitive financing opportunities. Consider longer-term loans to potentially lower your monthly payments while maintaining a fixed rate. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
If your monthly car payment feels too high, it might be time for a better deal. With LendMesh, you can explore refinancing options that lower your rate or shorten your loan term. Keep more money in your pocket—visit https://www.lendmesh.com/loans/vehicle_loans and see what’s possible.
Customers Also Interested In
Conclusion
Looking ahead, now is a smart time to lock in those low APRs, especially if you qualify for ABNB’s standout 1.00% auto loan rate, perfect for new purchases or refinancing existing debt. Keep monitoring credit unions like FIVEPOINT and TYNDALL for any subtle rate shifts that could impact your monthly payments. If you’re considering motorcycles or recreational vehicles, evaluate options at REV and ATOMIC where stable rates offer predictability in your financing plan. Remember, applying early and maintaining strong credit can open doors to these best-in-class deals. Whether upgrading your family vehicle or adding a bike to your garage, acting decisively on today’s competitive credit union rates will pay off down the road with better terms and savings that add up over time.