Introduction
As of May 6, 2026, savvy vehicle shoppers have plenty to smile about. The lowest auto loan APR stands at an impressive 2.50% at ATOMIC Credit Union, offering some of the most competitive rates in the market today. Whether you're hunting for a new car or eyeing a motorcycle, credit unions like LEADERS and ATOMIC provide solid options with motorcycle rates starting as low as 8.04%. While most rates have remained steady over the past month, TYNDALL Credit Union’s auto loan upper rate dropped by a full 100 basis points in the last week, from 5.69% down to 4.69%, making it a notable opportunity for buyers seeking mid-range financing. If you’re considering recreational vehicles, ATOMIC also leads with rates between 8.36% and 9.21%. With these stable and attractive offers, now is a great time to lock in a low APR and save on your next vehicle purchase.
Used - Vehicle Loans
Credit Union
Product
2026-05-06
(Current Day)
(Current Day)
2026-04-29
(7 Days Ago)
(7 Days Ago)
2026-04-21
(15 Days Ago)
(15 Days Ago)
2026-04-06
(30 Days Ago)
(30 Days Ago)
2026-03-22
(45 Days Ago)
(45 Days Ago)
2026-03-07
(60 Days Ago)
(60 Days Ago)
2026-02-05
(90 Days Ago)
(90 Days Ago)
2025-11-07
(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
Recreational
8.36 - 9.21
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
Auto
3.10 - 11.15
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
Auto
3.24 - 4.69
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
3.49 - 9.79
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
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
3.75 - 5.50▲ 25 bps
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
4.75 - 7.00▲ 125 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 - 7.00
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
ATOMIC CREDIT UNION
As of May 6, 2026, ATOMIC’s used vehicle loan rates remain steady across all products compared to the past 30 days. The used auto loan APR ranges from 2.50% to 13.21%, offering competitive affordability for a wide range of credit profiles. The motorcycle loan rate holds firm at 9.88%, while recreational vehicle loans range between 8.36% and 9.21%. Members seeking lower monthly payments should consider longer terms within these stable rate ranges for better budgeting flexibility. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
MARINE FEDERAL CREDIT UNION
Used auto loan rates at MARINE remain steady with an APR range of 3.10% to 11.15% over the past 30 days, showing no changes in the last month. The lowest rates offer competitive options for members seeking affordable financing on pre-owned vehicles. Consider shorter terms or improving credit scores to access the most favorable rates within this range. For members prioritizing lower monthly payments, evaluating longer loan durations might be beneficial despite higher total interest costs. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
TYNDALL FEDERAL CREDIT UNION
For used auto loans at TYNDALL, rates remain steady at 3.24% to 4.69% APR, showing a notable improvement from the previous 7, 15, and 30 days when the upper range was 5.69%. This reduction offers members more affordable financing options for used vehicles. Consider locking in these lower rates soon, as they represent some of the most competitive pricing recently available. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of May 6, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate offers members reliable affordability for financing used vehicles. Consider this fixed rate if you value predictable monthly payments without fluctuations. For members exploring options, locking in this stable rate can help with budgeting and loan planning. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
As of May 6, 2026, COMMUNITY RESOURCE's Used Auto Loan APR remains steady between 3.49% and 9.79%, with no changes over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this range represents competitive rates in the current market. Consider exploring longer loan terms to reduce monthly payments while maintaining manageable interest expenses. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LEADERS CREDIT UNION
As of May 6, 2026, used auto loan rates at LEADERS CREDIT UNION remain steady at 3.49% APR, consistent over the past 30 days. The used motorcycle loan rate holds firm at 8.04% APR with no recent changes. For members seeking affordable financing, the used auto loan offers the most competitive rate. Consider longer-term options to reduce monthly payments if budget flexibility is important. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of May 6, 2026, SHELL's Used Auto Loan rates remain steady, holding at a range of 3.49% to 18.00% APR over the past 30 days. This consistency offers members predictable financing options for used vehicles. For those seeking affordability, the lower end at 3.49% APR represents a competitive rate worth considering. Review loan terms carefully to balance monthly payments and total interest costs effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable this week, with Auto loans holding steady between 3.50% and 5.25% APR over the past 30 days. The Other vehicle loan category also maintains a consistent range of 3.50% to 6.50% APR. These consistent rates provide members with reliable financing options for used vehicles. For members seeking affordability, Auto loans offer the most competitive rates currently available. Consider longer-term loans to manage monthly payments effectively while locking in these steady rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
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, providing consistent affordability for members financing pre-owned vehicles. The stable rate environment supports predictable monthly payments without unexpected increases. For members seeking cost-effective options, used auto loans offer competitive pricing today. Consider reviewing your loan term to balance payment size and interest costs effectively. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of May 6, 2026, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.00% APR, unchanged over the past 15 days. Compared to 30 days ago, the lower bound improved slightly from 3.75%, offering members a modest rate advantage. This stability provides an opportunity to lock in competitive financing for used vehicles. Members seeking affordable options should consider fixed-rate loans within this range to manage monthly payments effectively. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Thinking about refinancing your current auto loan? It could lower your rate and free up cash each month. LendMesh makes it easy to see your refinance options in one place—from trusted banks and credit unions. Explore smarter ways to drive at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an ideal moment to explore refinancing if your current auto loan carries a higher rate than those offered by credit unions today, especially with ATOMIC’s standout 2.50% APR setting a strong benchmark. For families and enthusiasts planning new purchases, keeping an eye on credit unions like TYNDALL for potential further drops could pay off handsomely. Remember, timing can be key: securing financing before rates creep up again means more money stays in your pocket over the life of your loan. Lastly, don’t overlook less common vehicle loans, recreational and motorcycle programs are offering competitive rates that might better suit your lifestyle needs. Stay informed, compare offers carefully, and take advantage of these favorable terms while they last to make your next vehicle investment truly worthwhile.