Introduction
If you’re shopping for a vehicle on March 27, 2026, today’s credit union loan rates offer some standout opportunities to save. The lowest APR available is an impressive 2.10% for auto loans at Marine Credit Union, making it a top pick for anyone aiming to keep financing costs low. Motorcycle buyers can look to REV Credit Union with rates starting at 6.75%, while recreational vehicle financing begins at 7.75% there as well. Rates have remained steady across the board this past month, so no sudden spikes are catching shoppers off guard, great news if you’re ready to lock in your rate now. For families and enthusiasts alike, considering credit unions like Atomic and Baxter might be smart since they offer competitive auto loan rates ranging from about 2.50% up to mid-teens depending on credit profile and loan type. If you want the best deal, focus on those bottom-tier APRs and remember that small differences in interest rates can save you hundreds over the life of a loan.
New - Vehicle Loans
Credit Union
Product
2026-03-27
(Current Day)
(Current Day)
2026-03-20
(7 Days Ago)
(7 Days Ago)
2026-03-12
(15 Days Ago)
(15 Days Ago)
2026-02-25
(30 Days Ago)
(30 Days Ago)
2026-02-10
(45 Days Ago)
(45 Days Ago)
2026-01-26
(60 Days Ago)
(60 Days Ago)
2025-12-27
(90 Days Ago)
(90 Days Ago)
2025-09-28
(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
2.50 - 14.50
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
9.88
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
8.36 - 9.21
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
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.99 - 6.29▲ 75 bps
3.24 - 7.54
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 - 6.24
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 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.95 - 5.99▲ 45 bps
MARINE FEDERAL CREDIT UNION
As of March 27, 2026, MARINE’s new auto loan APRs remain steady at 2.10% to 11.15%, with no changes over the past 30 days. This consistent rate range offers members predictable financing options for new vehicles. For those seeking affordability, the lowest APR of 2.10% represents a competitive choice. Members looking to manage monthly payments may benefit from exploring longer-term loan options within this rate range. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of March 27, 2026, REV’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans hold a competitive range of 4.00% to 6.25% APR, offering an affordable option for members seeking standard financing. The Motorcycle loan rates stay at 6.75% to 7.25% APR, while Recreational loans are fixed at 7.75% APR. Notably, the Other vehicle loan category spans a wide range from 2.50% to 14.50% APR, providing flexible options depending on member credit profiles and loan terms. Members should consider longer terms for lower monthly payments when possible. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of March 27, 2026, ATOMIC's new vehicle loan rates remain steady, with Auto loans ranging from 2.50% to 13.21% APR, unchanged over the past 30 days. The Motorcycle loan rate holds firm at 9.88% APR, and Recreational loans range between 8.36% and 9.21% APR, also stable. The most affordable option continues to be the new Auto loan at 2.50% APR. Members seeking manageable monthly payments should consider longer-term Auto loans within this range for better budgeting flexibility. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
BAXTER CREDIT UNION
As of March 27, 2026, BAXTER’s new auto loan rates remain steady, ranging from 3.24% to 6.29% APR, consistent with the past 15 days and slightly improved from 3.49% at the low end 30 days ago. This stability offers members access to affordable financing options for new vehicles. For those seeking lower monthly payments, exploring longer-term loans could provide additional savings. Staying informed on these rates helps members plan their vehicle purchases wisely. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
TYNDALL FEDERAL CREDIT UNION
As of March 27, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 5.69% APR, showing no change over the past 30 days. This consistent pricing offers members reliable access to affordable financing for new vehicles. For those seeking predictable monthly payments, consider exploring longer-term loans within this range to balance cost and budget. Maintaining stable rates supports informed borrowing decisions without unexpected rate increases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of March 27, 2026, PENTAGON’s new auto loan rates remain steady, holding between 3.39% and 5.74% APR over the past 30 days with no rate changes. This consistent range offers members reliable financing options for new vehicles. For those seeking affordability, the lower end of the spectrum at 3.39% APR provides competitive borrowing costs. Review loan terms carefully to match your budget and consider longer durations if you prefer lower monthly payments. For more details, visit https://www.penfed.org/auto#navRates.
SHELL FEDERAL CREDIT UNION
As of March 27, 2026, SHELL’s new auto loan rates remain steady, with APRs holding firm between 3.49% and 18.00% over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those seeking affordability, the lowest rates at 3.49% APR provide competitive options. Consider longer-term loans if you prefer lower monthly payments while managing total interest effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
DADE COUNTY FEDERAL CREDIT UNION
For new vehicle loans at DADE COUNTY, the Auto loan APR remains steady between 3.49% and 6.69% over the past 30 days, showing no rate changes. This consistency offers members reliable financing terms for new vehicles. To manage monthly payments effectively, consider exploring longer-term loan options available through the credit union. For more details, visit https://www.dcfcu.org/loan-rates.
LEADERS CREDIT UNION
As of March 27, 2026, new auto loan rates at LEADERS CREDIT UNION remain steady at 3.49% APR, down from 3.99% thirty days ago, reflecting a notable improvement for members seeking affordable financing. Motorcycle loan rates hold firm at 8.04% APR, unchanged over the past month. The Other vehicle category maintains a range between 8.49% and 9.49% APR, showing no fluctuation. For members prioritizing lower costs, the new auto loan offers the most competitive rate. Consider reviewing your loan term options to balance monthly payments and overall interest paid. For more details, visit https://www.leaderscu.com/auto-loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
New auto loan rates at POLISH & SLAVIC remain steady at 3.50% to 5.99% APR over the past 30 days, offering consistent affordability for members. This stable range supports predictable budgeting for new vehicle purchases. Consider exploring longer-term loans to lower monthly payments while maintaining these competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
Not sure where to start? LendMesh has your back. Our platform breaks down everything from APR to loan terms so you can make a confident decision. Compare offers now at https://www.lendmesh.com/loans/vehicle_loans and take the stress out of vehicle financing.
Conclusion
With today’s stable but varied rate landscape, now is an excellent time to explore refinancing options or buy new with confidence at some of the lowest APRs available, especially through Marine Credit Union’s auto loans. If your current rate feels high or you’re planning a motorcycle or RV purchase soon, check offers from REV and Leaders Credit Union for competitive terms tailored to specialized vehicles. Keep an eye on your credit score and loan term, these factors can unlock even better deals. Finally, don’t hesitate to reach out directly to these credit unions; personalized pre-approval can give you negotiating power at the dealership or private sale. Whether upgrading your family ride or getting your dream bike, making informed choices today could lead to significant savings tomorrow.