Introduction
As of May 22, 2026, savvy vehicle buyers can lock in some truly competitive financing options at credit unions nationwide. The standout deal today is from ATOMIC Credit Union, offering an ultra-low auto loan APR starting at 2.50%, perfect for anyone looking to save big on their next car purchase. Motorcycle enthusiasts will find ATOMIC’s rates steady at just under 10%, while recreational vehicle buyers can explore rates as low as 7.99%, a slight improvement from last week’s 8.36%. Most other credit unions hold steady with modest rate shifts; notably, POLISH & SLAVIC maintains a solid auto loan floor at 2.99%, and TYNDALL’s upper range tightened by 100 basis points over the past month, now maxing out at 4.69%. For families and individuals ready to take advantage of these stable or improving offers, now is a great time to shop smart and secure financing that keeps monthly payments manageable.
New - Vehicle Loans
Credit Union
Product
2026-05-22
(Current Day)
(Current Day)
2026-05-15
(7 Days Ago)
(7 Days Ago)
2026-05-07
(15 Days Ago)
(15 Days Ago)
2026-04-22
(30 Days Ago)
(30 Days Ago)
2026-04-07
(45 Days Ago)
(45 Days Ago)
2026-03-23
(60 Days Ago)
(60 Days Ago)
2026-02-21
(90 Days Ago)
(90 Days Ago)
2025-11-23
(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
9.50 - 9.88
9.88▲ 38 bps
9.88▲ 38 bps
9.88▲ 38 bps
9.88▲ 38 bps
9.88▲ 38 bps
9.50 - 9.88
9.50 - 9.88
Recreational
7.99 - 9.21
8.36 - 9.21▲ 37 bps
8.36 - 9.21▲ 37 bps
8.36 - 9.21▲ 37 bps
8.36 - 9.21▲ 37 bps
8.36 - 9.21▲ 37 bps
7.99 - 9.21
7.99 - 9.21
Auto
2.99 - 5.99
2.99 - 6.75
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
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 - 5.69
3.24 - 6.74
Auto
3.24 - 5.39
3.24 - 5.39
3.24 - 5.39
3.24 - 6.29
3.24 - 6.29
3.24 - 6.29
3.49 - 6.29▲ 25 bps
3.49 - 7.54▲ 25 bps
Auto
3.34 - 4.09
3.34 - 4.09
3.74 - 4.49▲ 40 bps
3.74 - 4.49▲ 40 bps
3.74 - 4.49▲ 40 bps
3.74 - 4.49▲ 40 bps
3.74 - 4.49▲ 40 bps
3.99 - 4.74▲ 65 bps
Other
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
Auto
3.39 - 5.74
3.39 - 5.74
3.39 - 5.74
3.39 - 5.74
3.39 - 5.74
3.39 - 5.74
3.39 - 5.74
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 - 6.69
3.49 - 6.69
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
ATOMIC CREDIT UNION
As of May 22, 2026, ATOMIC’s new vehicle loan rates remain stable with no changes over the past 30 days. The Auto loan APRs hold steady between 2.50% and 13.21%, offering the most affordable financing range for members. Motorcycle loans show a slight improvement, with rates narrowing to 9.50% - 9.88% from 9.88% a week ago. Recreational loan rates decreased modestly on the low end to 7.99% from 8.36%, maintaining upper rates at 9.21%. Consider longer-term loans to manage monthly payments effectively while benefiting from these consistent rates. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of May 22, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 2.99% and 5.99% APR, holding firm over the past 30 days with a slight narrowing from last week’s top rate of 6.75%. This stability offers members consistent access to competitive financing for new vehicles. Consider shorter-term loans to secure the lowest rates or explore options that fit your budget. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
MARINE FEDERAL CREDIT UNION
As of May 22, 2026, new auto loan rates at MARINE remain steady, with APRs ranging from 3.10% to 11.75%, unchanged over the past week. The upper rate increased slightly from 11.15% noted 15 and 30 days ago, indicating a modest shift in higher-tier pricing. Members seeking affordability should focus on loans near the 3.10% starting APR for best value. For those aiming to manage monthly payments, exploring longer-term options could provide financial flexibility. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
TYNDALL FEDERAL CREDIT UNION
As of May 22, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 4.69% APR, unchanged over the past 30 days except for a slight narrowing from a previous high of 5.69%. This consistency offers members reliable financing options with competitive rates. For those seeking affordability, the lower end of this range represents the best value. Consider exploring longer-term loans to manage monthly payments effectively while benefiting from stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of May 22, 2026, BAXTER’s new auto loan rates remain stable at 3.24% to 5.39% APR, unchanged from the past 30 days except for a previous high of 6.29%. Meanwhile, new recreational vehicle loans hold steady between 5.29% and 6.29% APR with no recent changes. The consistent low starting rate on auto loans offers members an affordable financing option for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan programs may provide additional flexibility. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of May 22, 2026, new auto loan rates at American Airlines Credit Union remain steady at 3.34% to 4.09% APR, holding firm since last week and reflecting a 40 basis points decrease from 30 days ago. The Other new vehicle loans maintain consistent rates between 6.74% and 6.99% APR with no recent changes. Members seeking cost-effective financing should consider new auto loans for the lowest rates available. For longer-term planning, reviewing loan terms may help manage monthly payments effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of May 22, 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 for new vehicles without rate fluctuations. For those seeking affordability, the lowest rates starting at 3.39% APR provide competitive borrowing costs. Consider exploring various loan terms to balance monthly payments and total interest effectively. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of May 22, 2026, ORION’s New Auto Loan APR remains steady at 3.45%, with no changes over the past 30 days. This consistent rate offers members a reliable and affordable option for financing new vehicles. For those seeking predictable payments, locking in this stable rate now could be advantageous. Consider reviewing longer-term loan options to manage monthly costs effectively. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans,
SHELL FEDERAL CREDIT UNION
As of May 22, 2026, SHELL's new auto loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. This range offers options for members seeking both low-cost financing and flexibility for varied credit profiles. For those prioritizing affordable monthly payments, consider longer-term loans within this rate structure. Consistent rates provide a stable environment to plan your vehicle purchase confidently. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
DADE COUNTY FEDERAL CREDIT UNION
For May 22, 2026, new auto loan rates at DADE COUNTY remain steady, holding at 3.49% to 6.69% APR with no changes over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. The lowest rates at 3.49% APR provide strong value for borrowers seeking affordable monthly payments. Members considering a new vehicle purchase should compare term lengths to optimize payment plans aligned with their budget. For more details, visit https://www.dcfcu.org/loan-rates.
LendMesh
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Conclusion
Looking ahead, whether you’re buying new or refinancing an existing vehicle loan, it pays to monitor these credit union rates closely. With ATOMIC’s exceptionally low auto APR leading the pack and several lenders maintaining steady terms, locking in a rate soon could save you hundreds over the life of your loan. If your current loan carries a higher interest rate than today’s best offers, especially above 5%, consider refinancing to lower your costs without hassle. For motorcycle and recreational vehicle buyers, exploring specialized programs like those at ATOMIC and BAXTER could unlock better financing tailored to your needs. Keep an eye on monthly updates since small shifts can translate into meaningful savings, and don’t hesitate to reach out to your local credit union for personalized advice on timing your purchase or refinance for maximum benefit.