Introduction
As of May 20, 2026, savvy vehicle shoppers have some attractive financing options to explore. The lowest APR available today is an impressive 2.50% for auto loans at ATOMIC Credit Union, making it a standout choice for anyone looking to save on their next car purchase. Motorcycle buyers should also note ATOMIC’s steady 9.88% rate, while recreational vehicle enthusiasts can find competitive rates between 8.36% and 9.21%. Most credit unions have kept their rates stable over the past month, with only minor fluctuations, Marine Credit Union saw a slight increase of 60 basis points on the higher end of its auto loan range since 15 days ago, which is worth noting if you’re considering their offers. If you’re hunting for mid-range rates, Tyndall’s auto loans remain tight between 3.24% and 4.69%, providing solid options for budget-conscious families or first-time buyers. Whether you’re buying your first motorcycle or upgrading to a family SUV, today’s rates give you plenty of room to negotiate smartly and lock in savings.
Used - Vehicle Loans
Credit Union
Product
2026-05-20
(Current Day)
(Current Day)
2026-05-13
(7 Days Ago)
(7 Days Ago)
2026-05-05
(15 Days Ago)
(15 Days Ago)
2026-04-20
(30 Days Ago)
(30 Days Ago)
2026-04-05
(45 Days Ago)
(45 Days Ago)
2026-03-21
(60 Days Ago)
(60 Days Ago)
2026-02-19
(90 Days Ago)
(90 Days Ago)
2025-11-21
(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 - 11.75
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
Auto
3.24 - 4.69
3.24 - 4.69
3.24 - 4.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 7.24
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
3.49 - 9.79
3.49 - 9.79
3.74 - 9.79▲ 25 bps
3.74 - 9.79▲ 25 bps
3.74 - 9.79▲ 25 bps
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 - 16.75▲ 25 bps
3.75 - 16.75▲ 25 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 - 7.00
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
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
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this month. Auto loans hold a competitive APR range of 2.50% to 13.21%, offering affordable financing for various credit profiles. The Motorcycle loan rate stays fixed at 9.88%, while Recreational loans range from 8.36% to 9.21%. No changes have occurred in the past 30 days, providing rate stability for members planning purchases. Consider longer terms to reduce monthly payments while maintaining these consistent rates. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
MARINE FEDERAL CREDIT UNION
For May 20, 2026, MARINE’s used auto loan rates remain steady at 3.10% to 11.75% APR, with no change over the past 30 days. This stability provides consistent borrowing costs for members seeking affordable financing on used vehicles. The lowest rate of 3.10% APR continues to offer strong value for qualified borrowers. Members looking to manage monthly payments might consider longer terms within this range to optimize affordability. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
TYNDALL FEDERAL CREDIT UNION
As of May 20, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 4.69% APR, unchanged over the past 30 days. This consistent rate range offers members reliable affordability for financing used vehicles. For those seeking lower monthly payments, exploring longer-term loan options could provide additional savings. Maintaining stable rates reflects TYNDALL’s commitment to member value in a fluctuating market. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of May 20, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate provides reliable affordability for members financing used vehicles. For those seeking predictable monthly payments, locking in this stable rate could be advantageous. Members might also consider loan terms that balance payment size and interest costs effectively. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of May 20, 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 consistent rate range offers members clear expectations for financing used vehicles. For those seeking affordability, the lowest APR of 3.49% provides a competitive option. Consider loan term flexibility to balance monthly payments and interest costs effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
COMMUNITY RESOURCE CREDIT UNION
As of May 20, 2026, COMMUNITY RESOURCE's Used Auto loan rates remain steady, holding between 3.49% and 9.79% APR over the past 30 days with no changes observed. This stable range provides members consistent options for affordable financing on used vehicles. For those seeking lower monthly payments, exploring longer-term loans within this rate band may offer better budget flexibility. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
FIVEPOINT CREDIT UNION
As of May 20, 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 financing options without unexpected increases. For those seeking affordable monthly payments, exploring longer-term loan durations could provide additional flexibility. Used auto loans maintain competitive rates, supporting member affordability in vehicle financing. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
NECHES FEDERAL CREDIT UNION
As of May 20, 2026, NECHES used vehicle loan rates remain stable, with Auto loans at 3.50% to 5.25% APR and Other vehicle loans ranging from 3.50% to 6.50% APR over the past 30 days. This consistency offers members reliable financing options without recent rate increases. For those seeking the most affordable choice, used Auto loans provide competitive rates at the low end of this spectrum. Consider longer terms to manage monthly payments effectively while securing these steady rates. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of May 20, 2026, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.00% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this spectrum represents competitive options. Consider longer loan terms to manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of May 20, 2026, POLISH & SLAVIC’s used auto loan rates remain steady at 3.50% to 6.75% APR, unchanged over the past 30 days. This stability offers members consistent, affordable financing options for used vehicles. For those prioritizing predictable monthly payments, consider exploring longer loan terms to manage cash flow effectively. Maintaining these competitive rates supports budget-conscious members seeking reliable vehicle financing. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
Getting pre-approved for a car loan is like walking into the dealership with the upper hand. LendMesh makes it easy by connecting you to banks and credit unions ready to compete for your business. Start your search smart at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a great time to consider refinancing existing auto loans if your current rate is above today’s best offers, especially if you financed through institutions with higher APRs like Shell or FivePoint. For new buyers, prioritizing credit unions with low starting rates such as ATOMIC or Tyndall can mean substantial savings over the life of your loan. Keep an eye on any small shifts in rate ranges, sometimes just a few basis points can add up when financing a vehicle. Also, consider your vehicle type carefully: specialized loans like motorcycle and recreational programs often have different rates but can still offer strong value if matched to your needs. Staying informed and proactive will empower you to make the smartest move on your next vehicle purchase or refinance, maximizing your budget and driving off with confidence.