Introduction
As of April 17, 2026, savvy car shoppers and motorcycle enthusiasts have some excellent financing options to consider. Atomic Credit Union leads with the lowest auto loan rates starting at a remarkable 2.50% APR, making it a top pick for those looking to save on their next vehicle purchase. Motorcycle buyers should note that Leaders Credit Union offers a competitive rate of 8.04%, while recreational vehicle loans through Atomic range from 8.36% to 9.21%. Most credit unions have maintained steady rates over the past month, with only minor fluctuations, Orion Credit Union saw a slight improvement in its auto loan rate from 3.95% down to 3.45% this week, which could be worth watching if you’re considering a loan there. Whether you’re upgrading your family ride or eyeing that motorcycle, now is a smart time to lock in favorable terms before any market shifts. Keep an eye on credit unions like Polish & Slavic too, where auto loan rates recently improved by over 50 basis points on the low end compared to two weeks ago.
New - Vehicle Loans
Credit Union
Product
2026-04-17
(Current Day)
(Current Day)
2026-04-10
(7 Days Ago)
(7 Days Ago)
2026-04-02
(15 Days Ago)
(15 Days Ago)
2026-03-18
(30 Days Ago)
(30 Days Ago)
2026-03-03
(45 Days Ago)
(45 Days Ago)
2026-02-16
(60 Days Ago)
(60 Days Ago)
2026-01-17
(90 Days Ago)
(90 Days Ago)
2025-10-19
(180 Days Ago)
(180 Days Ago)
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
2.50 - 13.21
5.49 - 5.83▲ 299 bps
Motorcycle
9.88
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
8.36 - 9.21
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
7.99 - 9.21▼ 37 bps
Auto
2.99 - 5.99
2.99 - 5.99
3.50 - 5.99▲ 51 bps
3.50 - 5.99▲ 51 bps
3.50 - 5.99▲ 51 bps
3.50 - 5.99▲ 51 bps
3.50 - 5.99▲ 51 bps
3.50 - 5.99▲ 51 bps
Auto
3.10 - 11.15
3.10 - 11.15
3.10 - 11.15
2.10 - 11.15▼ 100 bps
2.10 - 11.15▼ 100 bps
2.10 - 11.15▼ 100 bps
2.10 - 11.15▼ 100 bps
2.10 - 11.25▼ 100 bps
Auto
3.24 - 6.29
3.24 - 6.29
3.24 - 6.29
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 6.29▲ 25 bps
3.49 - 5.39▲ 25 bps
3.49 - 7.54▲ 25 bps
Auto
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 6.24
3.24 - 6.74
Auto
3.45
3.45
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 50 bps
4.15▲ 70 bps
Auto
3.49 - 6.69
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
4.00 - 7.49▲ 51 bps
Auto
3.49
3.49
3.49
3.49
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
ATOMIC CREDIT UNION
As of April 17, 2026, ATOMIC’s new vehicle loan rates remain steady with no changes over the past 30 days. The Auto loan APR ranges from 2.50% to 13.21%, offering members highly competitive financing options for new cars. Motorcycle loans hold at a fixed 9.88% APR, while Recreational vehicle loans range between 8.36% and 9.21%. For those seeking affordable financing, the new auto loan’s low starting APR presents strong value. Consider reviewing longer-term loans to manage monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of April 17, 2026, new auto loan rates at POLISH & SLAVIC remain steady, holding between 2.99% and 5.99% APR over the past week. Compared to 15 and 30 days ago, rates have improved from a previous low of 3.50%, offering members more affordable financing options today. The current lowest rate of 2.99% presents strong value for borrowers seeking new vehicles. Consider exploring longer loan terms to manage monthly payments effectively while benefiting from competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of April 17, 2026, MARINE’s new auto loan rates remain steady between 3.10% and 11.15% APR, showing no change from the past 7 and 15 days. However, compared to 30 days ago, the lower rate increased by 1 percentage point from 2.10%. For members seeking affordability, the current 3.10% APR offers competitive financing for new vehicles. To manage monthly payments effectively, consider exploring longer-term loan options. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
BAXTER CREDIT UNION
As of April 17, 2026, BAXTER’s new auto loan rates remain steady, holding between 3.24% and 6.29% APR over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. For those seeking manageable monthly payments, exploring longer-term loans within this range could provide added flexibility without unexpected rate increases. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
TYNDALL FEDERAL CREDIT UNION
As of April 17, 2026, TYNDALL's new auto loan rates remain steady between 3.24% and 5.69% APR, with no changes over the past 30 days. This consistent pricing provides reliable financing options for members seeking new vehicles. For those aiming to manage monthly payments effectively, exploring longer-term loan terms may offer additional affordability. Members can confidently plan their purchases knowing rates have held firm recently. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
PENTAGON FEDERAL CREDIT UNION
As of April 17, 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 reliable financing options without rate fluctuations. For those seeking affordability, the lowest APR of 3.39% presents a cost-effective choice for new vehicle purchases. Consider longer-term loans to manage monthly payments effectively while benefiting from stable rates. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of April 17, 2026, ORION's new auto loan rate remains steady at 3.45% APR, unchanged from one week ago but down 50 basis points compared to 15 and 30 days ago. This decline offers members a more affordable financing opportunity for new vehicles. For those seeking manageable monthly payments, exploring longer-term loans may provide additional savings. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
DADE COUNTY FEDERAL CREDIT UNION
For April 17, 2026, new auto loan rates at DADE COUNTY remain steady between 3.49% and 6.69% APR, showing no change over the past 30 days. This consistency offers members reliable financing options with competitive rates on new vehicles. The lowest APR of 3.49% presents an affordable opportunity for borrowers seeking cost-effective loans. Members considering long-term financing should evaluate their monthly payment goals to align with these stable rates. For more details, visit https://www.dcfcu.org/loan-rates.
LEADERS CREDIT UNION
As of April 17, 2026, LEADERS CREDIT UNION's new vehicle loan rates remain steady with no changes over the past 30 days. The new Auto loan offers the most affordable rate at 3.49% APR, providing a cost-effective option for members financing new cars. Motorcycle loans hold firm at 8.04%, while Other vehicle loans range between 8.49% and 9.49% APR. For members seeking lower monthly payments, consider exploring longer-term loan options to balance affordability and repayment flexibility. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of April 17, 2026, SHELL’s new auto loan rates remain steady, holding at 3.49% to 18.00% APR over the past 30 days with no changes. The lowest rates continue to offer members affordable financing options for new vehicles. For those seeking manageable payments, consider longer-term loans to optimize monthly costs within this stable rate range. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle_loans and apply with confidence.
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Conclusion
Looking ahead, consider refinancing your current vehicle loan if your rate is above today’s best offers, especially if you financed through a lender with higher rates earlier this year. For new buyers, locking in one of these competitive credit union rates sooner rather than later can translate into significant savings over the life of your loan. If you’re interested in recreational vehicles or motorcycles, explore specialized programs like those from Atomic and Leaders Credit Union for tailored financing options. Finally, stay alert to small weekly shifts like Orion’s recent rate drop, they signal opportunities to snag even better deals as credit unions adjust to market trends. Taking proactive steps now can help you drive away with confidence and keep more money in your pocket throughout your loan term.