Introduction
As of May 13, 2026, savvy vehicle buyers have some excellent financing options to consider. The standout deal today is from ATOMIC Credit Union, offering the lowest auto loan APR at just 2.50%, perfect for anyone hunting for a great rate on a car. Motorcycle enthusiasts also have solid options with Leaders Credit Union at a steady 8.04%, while those eyeing recreational vehicles can find rates from 8.36% to 9.21% at ATOMIC. Notably, VYSTAR’s auto loan rate improved significantly this week, dropping from a high range of 5.54%-8.84% last week down to a sharp 2.94% today , that’s a major opportunity if you’re ready to act fast. For families and daily drivers, credit unions like TYNDALL and ORION maintain competitive ranges under 5%, giving you flexibility depending on your credit profile and loan terms. Whether you’re buying new or used, these rates suggest it’s worth locking in financing now to save thousands over your loan term.
Used - Vehicle Loans
Credit Union
Product
2026-05-13
(Current Day)
(Current Day)
2026-05-06
(7 Days Ago)
(7 Days Ago)
2026-04-28
(15 Days Ago)
(15 Days Ago)
2026-04-13
(30 Days Ago)
(30 Days Ago)
2026-03-29
(45 Days Ago)
(45 Days Ago)
2026-03-14
(60 Days Ago)
(60 Days Ago)
2026-02-12
(90 Days Ago)
(90 Days Ago)
2025-11-14
(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
2.94
5.54 - 8.84▲ 260 bps
2.94
5.54 - 8.84▲ 260 bps
5.54 - 8.84▲ 260 bps
2.94
2.94
2.94
Auto
3.10 - 11.75
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 - 4.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
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 - 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
3.50 - 16.25
3.75 - 16.25▲ 25 bps
3.75 - 16.75▲ 25 bps
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable with no changes over the past 30 days. Used Auto loans offer a competitive APR range from 2.50% to 13.21%, providing affordable options for various credit profiles. Motorcycle loans hold steady at 9.88% APR, while Recreational vehicle loans range between 8.36% and 9.21% APR. For members seeking lower monthly payments, consider longer-term loan options within these stable rates. Consistent pricing allows for confident financial planning without rate fluctuations impacting your budget. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of May 13, 2026, VYSTAR’s used auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent low rate offers a strong value for members seeking affordable financing on used vehicles. The higher tier rates between 5.54% and 8.84% have also held firm compared to prior weeks. Members looking to minimize interest costs should consider locking in these stable rates now. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates,
MARINE FEDERAL CREDIT UNION
For used auto loans at MARINE, the APR range remains steady at 3.10% to 11.75% today, with a slight increase in the upper rate from 11.15% over the past 30 days. This makes the lower end of the range an affordable option for members seeking competitive financing. Consider shorter-term loans or improving your credit profile to access rates near 3.10%. Monitoring these rates can help you time your purchase for better terms. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady at 3.24% to 4.69% APR, unchanged over the past week and stable compared to 15 days ago, which saw a higher upper rate of 5.69%. This consistency offers members reliable financing options without recent rate increases. Consider locking in these competitive rates now to avoid potential future hikes. For those seeking affordability, the lower end of this range provides a cost-effective solution for used vehicle financing. Review your loan term choices to balance monthly payments and total interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of May 13, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, showing no change over the past 30 days. This stable rate offers members consistent affordability for financing used vehicles. For those seeking manageable monthly payments, consider exploring longer loan terms available through ORION. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
As of May 13, 2026, COMMUNITY RESOURCE’s Used Auto Loan rates remain steady between 3.49% and 9.79% APR, showing no change over the past 30 days. This stability offers consistent financing options for members seeking affordable used vehicle loans. Members should consider their credit profile and loan term to identify the most favorable rate within this range. For those prioritizing predictable payments, exploring longer terms may provide better monthly affordability without rate fluctuations. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LEADERS CREDIT UNION
As of May 13, 2026, used auto loans at LEADERS CREDIT UNION remain steady at an attractive 3.49% APR, showing no change over the past 30 days. Meanwhile, used motorcycle loans hold firm at 8.04% APR, with rates stable for the same period. The consistent low rate on used autos offers members affordable financing options without recent fluctuations. For those prioritizing manageable monthly payments, consider exploring longer loan terms to reduce payment amounts while maintaining this stable rate environment. For more details, visit https://www.leaderscu.com/auto-loans.
SHELL FEDERAL CREDIT UNION
As of May 13, 2026, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This stability offers members predictable financing options for used vehicles. The lowest rates at 3.49% APR provide an affordable entry point for borrowers seeking competitive terms. Members might consider longer-term loans if aiming to lower monthly payments while maintaining these consistent rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of May 13, 2026, used auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 6.75% APR, unchanged over the past 30 days. This consistent pricing offers members reliable affordability when financing used vehicles. For those seeking manageable payments, consider longer-term loan options to balance rate and monthly costs effectively. Maintaining stable rates supports clear financial planning without unexpected increases. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
FIVEPOINT CREDIT UNION
As of May 13, 2026, used auto loan rates at FIVEPOINT remain steady between 3.50% and 16.25% APR, showing no change over the past 30 days. This consistent range offers members predictable financing costs for used vehicles. For those seeking affordability, the 3.50% APR on used auto loans represents a competitive rate worth considering. Explore longer-term loan options to potentially reduce monthly payments while managing interest costs effectively. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
LendMesh
Buying a car is a big deal. Financing it shouldn’t feel like one. LendMesh brings you side-by-side comparisons of real vehicle loan rates from banks and credit unions that want your trust—not just your signature. Discover your best offer now at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an ideal time to consider refinancing if you currently hold higher-rate loans, especially with credit unions like ATOMIC and VYSTAR offering sub-3% auto rates. If you're planning to buy soon, getting pre-approved at these low rates could give you stronger negotiating power and peace of mind. For motorcycle or recreational vehicle buyers, staying informed about stable rates like those from Leaders Credit Union or ATOMIC will help you make smart choices without rushing into high-interest offers elsewhere. Keep an eye on monthly trends since some lenders show small fluctuations; locking in your rate when it’s low can be key to long-term savings. Ultimately, being proactive with your financing options today sets you up for more affordable payments tomorrow, so don’t wait too long!