Introduction
As of May 29, 2026, savvy vehicle shoppers have some attractive financing options to explore. The lowest auto loan APR stands at an impressive 2.50% with ATOMIC Credit Union, offering a wide rate range that starts exceptionally low for buyers looking to finance their next car. Motorcycle enthusiasts should note that ATOMIC also leads with motorcycle loan rates beginning at 9.50%, holding steady over the past month. For families eyeing recreational vehicles, ATOMIC's rates remain competitive between 7.99% and 9.21%. While most credit unions maintained stable rates this month, AMERICAN AIRLINES Credit Union showed a slight improvement in auto loans by dropping from 3.74% to as low as 3.34% APR, making it worth a look for buyers seeking mid-range financing options. Whether you’re after the best deal on your next car or planning a family adventure on wheels, now is a smart time to compare these credit union offers and save on interest costs.
New - Vehicle Loans
Credit Union
Product
2026-05-29
(Current Day)
(Current Day)
2026-05-22
(7 Days Ago)
(7 Days Ago)
2026-05-14
(15 Days Ago)
(15 Days Ago)
2026-04-29
(30 Days Ago)
(30 Days Ago)
2026-04-14
(45 Days Ago)
(45 Days Ago)
2026-03-30
(60 Days Ago)
(60 Days Ago)
2026-02-28
(90 Days Ago)
(90 Days Ago)
2025-11-30
(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
9.50 - 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
Recreational
7.99 - 9.21
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
Auto
2.99 - 5.99
2.99 - 5.99
2.99 - 5.99
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
Auto
3.10 - 11.75
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
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
3.24 - 4.69
3.24 - 4.69
3.24 - 4.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 6.74
Auto
3.34 - 4.09
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
3.99 - 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
3.49 - 18.00
Auto
3.49 - 9.64
3.49 - 9.64
3.49 - 9.64
3.49 - 9.64
3.49 - 9.79
3.74 - 9.79▲ 25 bps
3.74 - 9.64▲ 25 bps
3.74 - 9.79▲ 25 bps
ATOMIC CREDIT UNION
As of May 29, 2026, ATOMIC’s new auto loan rates remain steady between 2.50% and 13.21% APR, offering the most affordable financing options for members. Motorcycle loan rates hold firm at 9.50% to 9.88% APR, showing slight improvement from 15 days ago. Recreational vehicle loans have stabilized at 7.99% to 9.21% APR, down modestly from mid-May. For members seeking lower monthly payments, consider long-term new auto loans due to their consistently competitive rates. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of May 29, 2026, POLISH & SLAVIC’s new auto loan rates remain steady at 2.99% to 5.99% APR, unchanged over the past 30 days. This stable range offers members consistent access to affordable financing for new vehicles. Consider longer-term loans if you seek lower monthly payments within this rate bracket. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of May 29, 2026, MARINE's new auto loan rates remain stable, holding steady at 3.10% to 11.75% APR over the past 30 days. While the upper rate edge increased slightly from 11.15% to 11.75%, the starting rate remains competitive for members seeking affordable financing. Focus on the lowest rates if you prioritize cost savings; consider longer terms to lower monthly payments further. Monitoring rate trends can help secure the best deal when financing a new vehicle. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
BAXTER CREDIT UNION
As of May 29, 2026, BAXTER's new auto loan rates remain steady, holding at 3.24% to 5.39% APR over the past 30 days, with a previous high of 6.29% dropping back down. This consistency benefits members seeking affordable financing on new vehicles. The recreational vehicle loans also maintain a stable range of 5.29% to 6.29% APR this week, matching last week's rates. For members prioritizing lower payments, exploring longer-term auto loans could provide additional savings. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
TYNDALL FEDERAL CREDIT UNION
As of May 29, 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 previous peak at 5.69%. This stability offers members consistent access to affordable financing for new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide additional savings. Maintaining these competitive rates supports members in managing vehicle purchase costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of May 29, 2026, AMERICAN AIRLINES new auto loan rates remain steady at 3.34% to 4.09%, unchanged over the past 15 days but down from 3.74% to 4.49% thirty days ago, reflecting a notable easing for members seeking affordable financing. The Other vehicle loan rates hold firm at 6.74% to 6.99% with no changes in the last month. For members prioritizing cost-efficiency, the new auto loans offer the most competitive APRs currently available. Consider longer-term loans to optimize monthly payments if affordability is your goal. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of May 29, 2026, PENTAGON's new auto loan rates remain steady at 3.39% to 5.74% APR, unchanged over the past 30 days. This stability offers members consistent access to competitive financing for new vehicles. For those seeking affordability, the lower end of this range provides a valuable option. Consider exploring longer-term loans to potentially reduce monthly payments while maintaining these favorable rates. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of May 29, 2026, ORION’s new auto loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate provides members with a reliable, affordable financing option for new vehicles. For those considering a purchase, locking in this stable rate now can help manage predictable monthly payments. Review your loan term preferences to optimize affordability and cash flow. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of May 29, 2026, SHELL’s new auto loan rates remain steady at 3.49% to 18.00% APR, showing no changes over the past 30 days. This consistent rate range offers members predictable financing options for new vehicles. For those seeking affordability, the lowest rates starting at 3.49% APR provide competitive borrowing costs. Consider longer-term loans if you want to lower monthly payments while maintaining this stable rate environment. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
As of May 29, 2026, COMMUNITY RESOURCE's new auto loan rates remain steady at 3.49% to 9.64% APR, with no changes over the past 30 days. This stability provides members consistent access to affordable financing options for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options available within this rate range. Maintaining current rates ensures predictable budgeting for new vehicle purchases. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
Need a loan for your next vehicle that won’t derail your financial goals? LendMesh gives you clear choices from lenders who value fairness and transparency. See the full picture at https://www.lendmesh.com/loans/vehicle_loans and borrow on your terms.
Conclusion
Looking ahead, if you’re considering buying new or upgrading your ride, locking in today’s lowest rates, especially the standout 2.50% auto loan from ATOMIC, can save you hundreds over your loan term. For current vehicle owners, refinancing might be wise if your existing rate is above these competitive numbers; even small drops in APR can significantly reduce monthly payments. Keep an eye on credit union rate trends for any shifts, but with most rates steady, it’s a great moment to act rather than wait. And don’t overlook recreational and motorcycle loan options if those fit your lifestyle, credit unions like ATOMIC and BAXTER offer solid choices there too. Ultimately, being proactive and informed will help you drive away with the best financing deal tailored to your needs.