Introduction
As of May 27, 2026, savvy vehicle shoppers can lock in some of the best financing deals seen recently. ATOMIC Credit Union leads with an ultra-low auto loan rate starting at 2.50% APR, making it a prime choice for those hunting the lowest borrowing costs on cars. Motorcycle buyers should note that ATOMIC’s rates have slightly improved this week, dipping from 9.88% to a range between 9.50% and 9.88% APR. Meanwhile, recreational vehicle loans at ATOMIC remain competitive with rates hovering just under 8%. Among other strong contenders, TYNDALL offers a tight auto loan range between 3.24% and 4.69%, steady over the past month, while UNITED Credit Union’s auto rates have impressively dropped from a high of 4.65% to just 4.00% APR on their best tier, a notable improvement for buyers seeking mid-range credit options. If you’re in the market for financing today, these numbers highlight clear opportunities to save by comparing credit unions’ latest offerings before you sign on the dotted line.
Used - Vehicle Loans
Credit Union
Product
2026-05-27
(Current Day)
(Current Day)
2026-05-20
(7 Days Ago)
(7 Days Ago)
2026-05-12
(15 Days Ago)
(15 Days Ago)
2026-04-27
(30 Days Ago)
(30 Days Ago)
2026-04-12
(45 Days Ago)
(45 Days Ago)
2026-03-28
(60 Days Ago)
(60 Days Ago)
2026-02-26
(90 Days Ago)
(90 Days Ago)
2025-11-28
(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
9.88▲ 38 bps
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
8.36 - 9.21▲ 37 bps
7.99 - 9.21
Auto
3.10 - 11.75
3.10 - 11.75
3.10 - 11.75
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 - 7.24
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
3.49 - 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
3.49 - 18.00
Auto
3.50 - 7.00
3.50 - 7.00
3.50 - 7.00
3.50 - 7.00
3.50 - 7.00
3.75 - 5.75▲ 25 bps
3.75 - 7.25▲ 25 bps
3.75 - 7.25▲ 25 bps
Auto
3.50 - 4.00
3.50 - 4.00
3.50 - 4.00
4.45 - 4.65▲ 95 bps
4.45 - 4.65▲ 95 bps
4.45 - 4.65▲ 95 bps
5.20 - 5.40▲ 170 bps
5.20 - 7.55▲ 170 bps
Other
4.75 - 11.39
6.25 - 11.39▲ 150 bps
5.80 - 11.39▲ 105 bps
6.55 - 11.39▲ 180 bps
11.39▲ 664 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
3.50 - 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
3.50 - 6.50
4.75 - 7.00▲ 125 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
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this week. Used Auto loans hold steady at 2.50% to 13.21% APR, offering the most affordable financing options for members. Motorcycle loan rates improved slightly, dropping from 9.88% to a range of 9.50% to 9.88% APR, providing better terms for riders. Recreational loans decreased modestly, now between 7.99% and 9.21% APR compared to last week’s higher floor rate. Members seeking flexibility should consider these competitive used vehicle rates for cost-effective financing. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
MARINE FEDERAL CREDIT UNION
For May 27, 2026, used auto loan rates at MARINE remain steady, holding between 3.10% and 11.75% APR, unchanged from the past 15 days. Compared to 30 days ago, the upper rate increased slightly from 11.15%, indicating a modest rise in higher-tier pricing. Members seeking affordable financing should focus on loans near the 3.10% APR floor for best value. For those prioritizing lower monthly payments, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s used auto loan rates remain steady at 3.24% to 4.69% APR, showing no change over the past 30 days despite a previous peak at 5.69%. This stability offers consistent affordability for members financing used vehicles. For those seeking manageable payments, exploring longer-term loan options may provide additional budget flexibility without rate increases. Members can rely on TYNDALL’s competitive and predictable rates when planning their vehicle purchase. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
ORION FEDERAL CREDIT UNION
As of May 27, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate offers members a reliable and affordable financing option for used vehicles. If you prefer manageable monthly payments, consider exploring longer loan terms to optimize affordability. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady at 3.49% to 9.79% APR with no changes over the past 30 days. This consistency offers members predictable financing costs when purchasing used vehicles. For those seeking affordability, the lower end of the rate range provides competitive options. Consider longer loan terms to potentially reduce monthly payments while managing interest expenses effectively. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
SHELL FEDERAL CREDIT UNION
As of May 27, 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 stable range offers members consistent financing options for used vehicles. For those seeking affordability, the lowest rates start at 3.49% APR, making it a competitive choice for creditworthy borrowers. Consider loan terms and monthly payments carefully to align with your budget and financial goals. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
Used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady, holding at 3.50% to 7.00% APR over the past 30 days with no changes. This consistency offers members reliable financing options without rate fluctuations. For those seeking the most affordable terms, the lower end of this range provides competitive value. Consider longer-term used auto loans if you want to manage monthly payments effectively while maintaining a fixed rate. For more details, visit https://www.uoficreditunion.org/rates/.
UNITED CREDIT UNION
Used auto loan rates at UNITED remain steady at 3.50% to 4.00% APR, holding firm over the past 15 days but down from 4.45% to 4.65% a month ago, reflecting improved affordability. The Other used vehicle loans saw a notable drop from 6.25%-11.39% fifteen days ago to 4.75%-11.39% APR today, signaling better options for diverse vehicle types. Members seeking lower monthly payments should consider these stable, competitive rates and explore longer terms if needed. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
NECHES FEDERAL CREDIT UNION
As of May 27, 2026, NECHES used vehicle loan rates remain steady, with Auto loans at 3.50% to 5.25% APR and Other vehicle loans between 3.50% and 6.50% APR over the past 30 days. The consistent rates provide reliable financing options for members seeking affordability. For those prioritizing lower costs, used Auto loans offer the most competitive rates. Consider evaluating loan terms carefully; longer durations may ease monthly payments despite stable APRs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
FIVEPOINT CREDIT UNION
As of May 27, 2026, FIVEPOINT's used auto loan rates remain steady at 3.50% to 16.25% APR, showing no changes over the past 30 days. This consistent pricing offers members predictable financing costs for used vehicles. For those seeking more affordable monthly payments, exploring longer-term loan options could provide additional flexibility. Maintaining stable rates supports members in planning their vehicle purchases with confidence. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
LendMesh
Not sure where to start? LendMesh has your back. Our platform breaks down everything from APR to loan terms so you can make a confident decision. Compare offers now at https://www.lendmesh.com/loans/vehicle_loans and take the stress out of vehicle financing.
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Conclusion
Looking ahead, if you’re considering a new or used vehicle purchase, taking advantage of credit unions like ATOMIC with their standout low rates could save hundreds over your loan term. For current borrowers, it’s also worth exploring refinancing options now, especially if your rate is above today’s market lows, to reduce monthly payments or shorten your loan duration without stretching your budget. Keep an eye on credit union rate trends; stability at TYNDALL and improvements at UNITED suggest competitive pressure that benefits borrowers. Whether upgrading your ride or switching lenders, prioritize pre-approval from multiple credit unions to secure the best terms possible. Staying proactive and informed is key to maximizing value in today’s evolving auto finance landscape.