Introduction
As of April 22, 2026, savvy vehicle buyers have plenty to smile about with Atomic Credit Union offering the lowest auto loan rates starting at just 2.50% APR, a standout deal for those hunting for affordable financing. Motorcycle enthusiasts can take note as Leaders Credit Union presents a solid 8.04% APR on motorcycle loans, while Atomic’s recreational vehicle loans remain steady between 8.36% and 9.21% APR. Over the past month, rates have held mostly steady, with only minor shifts such as Orion’s auto rate improving from 3.95% to 3.45% APR, saving borrowers valuable basis points. Whether you’re in the market for a family car, a motorcycle, or an RV, today’s rates suggest it’s a great time to lock in competitive financing and maximize your savings on your next ride.
Used - Vehicle Loans
Credit Union
Product
2026-04-22
(Current Day)
(Current Day)
2026-04-15
(7 Days Ago)
(7 Days Ago)
2026-04-07
(15 Days Ago)
(15 Days Ago)
2026-03-23
(30 Days Ago)
(30 Days Ago)
2026-03-08
(45 Days Ago)
(45 Days Ago)
2026-02-21
(60 Days Ago)
(60 Days Ago)
2026-01-22
(90 Days Ago)
(90 Days Ago)
2025-10-24
(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
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 - 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 - 7.24
Auto
3.45
3.45
3.45
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 50 bps
3.95▲ 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
3.49 - 9.79
3.49 - 9.79
3.49 - 9.79
3.74 - 9.79▲ 25 bps
3.74 - 9.79▲ 25 bps
3.74 - 9.79▲ 25 bps
3.74 - 9.79▲ 25 bps
3.99 - 9.79▲ 50 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
3.50 - 6.75
Auto
3.50 - 16.25
3.50 - 16.25
3.50 - 16.25
3.50 - 16.25
3.50 - 16.25
3.75 - 16.75▲ 25 bps
3.75 - 16.25▲ 25 bps
4.25 - 16.75▲ 75 bps
Auto
3.50 - 7.00
3.50 - 7.00
3.75 - 5.75▲ 25 bps
3.75 - 5.75▲ 25 bps
3.75 - 7.25▲ 25 bps
3.75 - 7.25▲ 25 bps
3.75 - 7.25▲ 25 bps
3.75 - 7.25▲ 25 bps
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this month, with Auto loans holding steady between 2.50% and 13.21% APR. The Motorcycle loan rate remains fixed at 9.88% APR, while Recreational loans range from 8.36% to 9.21% APR without change over the past 30 days. Members seeking affordability should consider used auto loans for the lowest starting APR of 2.50%. For manageable payments, explore longer-term used auto financing options to spread costs effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
MARINE FEDERAL CREDIT UNION
As of April 22, 2026, MARINE's used auto loan rates remain steady at 3.10% to 11.15% APR, unchanged from the past 7 and 15 days. Compared to 30 days ago, the low-end rate increased by 100 bps from 2.10%. Members seeking affordability should note the current floor at 3.10%, which still offers competitive financing for used vehicles. Consider shorter loan terms or improving credit profiles to access lower APRs within this range. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
TYNDALL FEDERAL CREDIT UNION
As of April 22, 2026, TYNDALL's used auto loan rates remain steady at 3.24% to 5.69% APR, showing no changes over the past 30 days. This consistent rate range offers members reliable and affordable financing options for used vehicles. For those prioritizing manageable monthly payments, consider longer-term loan plans to balance cost and cash flow effectively. Staying informed on these stable rates can help members plan their vehicle purchases with confidence. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of April 22, 2026, ORION's Used Auto Loan rate remains steady at 3.45% APR, unchanged from both 7 and 15 days ago. This represents a notable decrease from 3.95% APR just 30 days prior, offering members more affordable financing on used vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional savings. This stable, competitive rate underscores ORION’s commitment to helping members finance used vehicles affordably. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
LEADERS CREDIT UNION
As of April 22, 2026, used auto loan rates at LEADERS CREDIT UNION remain steady at 3.49% APR, unchanged over the past 30 days. The motorcycle loan rate also holds firm at 8.04% APR with no movement this month. The consistently low 3.49% APR on used auto loans offers affordable financing for members seeking reliable vehicles. For those balancing budget and loan terms, exploring longer repayment options may help reduce monthly payments without rate increases. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of April 22, 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 manage monthly payments effectively, exploring longer-term loan options could provide more affordable solutions. Consistent rates allow members to plan confidently without rate fluctuations impacting their budgets. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
As of April 22, 2026, COMMUNITY RESOURCE’s Used Auto loan rates remain steady, holding at 3.49% to 9.79% APR over the past 30 days with no changes observed. This stable rate range offers members consistent financing options for used vehicles. For those seeking affordability, the lowest APR of 3.49% presents a valuable opportunity. Consider shorter-term loans or improving credit scores to access the best rates available. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
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, offering consistent affordability for members financing pre-owned vehicles. This stable range supports budget planning without unexpected rate increases. For members seeking cost-effective financing, the used auto loan program’s competitive rates present a valuable option. Consider longer-term loans if lower monthly payments better fit your financial goals. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
FIVEPOINT CREDIT UNION
As of April 22, 2026, FIVEPOINT's used auto loan rates remain steady at 3.50% to 16.25% APR, showing no change over the past 30 days. This stable rate range offers members consistent access to affordable financing for used vehicles. For those seeking lower monthly payments, exploring longer loan terms could be beneficial. Maintaining unchanged rates provides predictability for budgeting vehicle purchases. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of April 22, 2026, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.00% APR, unchanged from one week ago. This stability follows a slight narrowing of the rate range from 3.75% - 5.75% over the past 15 and 30 days, indicating consistent pricing for members seeking used vehicles. Members looking for affordable financing should consider current rates at the lower end of this range. For those prioritizing predictable payments, maintaining a focus on these stable rates can aid budgeting decisions. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
You did the research. You found the perfect car. Now, don’t overpay for the loan. At LendMesh, we give you side-by-side comparisons of trusted vehicle loan offers, so you can pick the one that saves the most. Drive smarter at https://www.lendmesh.com/loans/vehicle_loans .
Customers Also Interested In
Conclusion
Looking ahead, consider locking in these favorable rates soon, especially if you’re eyeing Atomic’s ultra-low auto loans or Leaders Credit Union’s motorcycle financing offers. If you already own a vehicle with higher interest, exploring refinancing options now could cut your monthly payments significantly. For families planning ahead, keeping an eye on credit union promotions and maintaining strong credit can position you to snag even better deals down the road. Act promptly to secure the best terms available today, and don’t hesitate to consult your credit union about personalized loan options tailored to your needs. Staying informed and proactive will help you drive away with confidence and savings well into the future.