Introduction
As of June 5, 2026, car shoppers and vehicle enthusiasts have some excellent financing opportunities to explore. The lowest APR available today is an impressive 2.50% for auto loans at ATOMIC Credit Union, offering one of the most competitive rates on the market. Motorcycle buyers looking for a deal will find steady rates at ATOMIC as well, with current APRs ranging from 9.50% to 9.88%. Notably, UNITED Credit Union’s auto loan rates have improved significantly over the past month, dropping from 4.20% to a low of 2.99% today, marking a strong opportunity for buyers seeking mid-range terms. While some credit unions like TYNDALL and AMERICAN AIRLINES show slight upward pressure on their upper rate ranges, many others such as POLISH & SLAVIC remain stable with consistent rates. For families and enthusiasts aiming to save on financing, locking in these low starting APRs now could mean substantial savings over the life of the loan.
New - Vehicle Loans
Credit Union
Product
2026-06-05
(Current Day)
(Current Day)
2026-05-29
(7 Days Ago)
(7 Days Ago)
2026-05-21
(15 Days Ago)
(15 Days Ago)
2026-05-06
(30 Days Ago)
(30 Days Ago)
2026-04-21
(45 Days Ago)
(45 Days Ago)
2026-04-06
(60 Days Ago)
(60 Days Ago)
2026-03-07
(90 Days Ago)
(90 Days Ago)
2025-12-07
(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 - 5.50
3.50 - 5.00▲ 51 bps
4.00 - 5.50▲ 101 bps
4.20 - 5.30▲ 121 bps
4.45 - 5.55▲ 146 bps
4.45 - 5.55▲ 146 bps
5.20 - 6.30▲ 221 bps
5.20 - 6.30▲ 221 bps
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 - 5.69
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
5.59 - 6.34
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
6.74 - 6.99▲ 115 bps
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
3.49 - 9.79
3.74 - 9.64▲ 25 bps
3.74 - 9.79▲ 25 bps
ATOMIC CREDIT UNION
As of June 5, 2026, ATOMIC’s new vehicle loan rates remain stable across all products compared to the last 30 days. New Auto loans offer the most affordable APR range at 2.50% to 13.21%, unchanged over the past month, providing consistent value for members financing cars. Motorcycle loan rates hold steady between 9.50% and 9.88%, with a slight improvement from 9.88% fifteen days ago. Recreational vehicle loans show minor rate stability at 7.99% to 9.21%, slightly better than mid-May’s upper range of 9.21%. Consider longer terms for lower monthly payments and predictable budgeting. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
UNITED CREDIT UNION
As of June 5, 2026, UNITED’s new auto loan rates range from 2.99% to 5.50% APR, showing a notable improvement from 15 days ago when rates started at 4.00%. This reflects a drop of over 100 basis points in the low-end APR since mid-May, offering members more affordable financing options for new vehicles. The current rate spread also indicates increased flexibility depending on credit profile and loan terms. For those seeking manageable monthly payments, consider exploring longer-term loans to optimize affordability. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of June 5, 2026, POLISH & SLAVIC’s new auto loan rates remain steady at 2.99% to 5.99% APR, with no changes over the past 30 days. This consistent rate range offers members reliable access to affordable financing for new vehicles. For those seeking lower monthly payments, consider longer-term loan options within this competitive APR band. Maintaining stable rates supports budgeting confidence for new vehicle purchases. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
As of June 5, 2026, MARINE’s new auto loan APR remains steady at 3.10% to 11.75%, unchanged from the past 7 and 15 days, with a slight increase from 11.15% at 30 days ago. The consistent low starting rate of 3.10% offers members affordable financing for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options to balance cost and duration effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
TYNDALL FEDERAL CREDIT UNION
For new auto loans at TYNDALL, rates have widened to 3.24% - 5.69% APR, with the upper range increasing by 100 bps compared to 7 and 15 days ago. The base rate remains steady at 3.24%, maintaining an affordable entry point for members. Borrowers seeking value should consider locking in rates soon, as the higher end shows upward movement. Check loan terms carefully to balance your monthly payments and total interest costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of June 5, 2026, new auto loan rates at AMERICAN AIRLINES Credit Union remain steady between 3.34% and 4.09% APR, unchanged from the past 15 days but improved by about 40 basis points compared to 30 days ago. Conversely, the Other vehicle loan category has seen a notable decline, dropping roughly 1.15% over the last week to a range of 5.59% to 6.34% APR. Members seeking the most affordable financing should consider new auto loans for competitive rates. For those exploring diverse vehicle options, monitoring further shifts in the Other category could be beneficial. Check long-term loan options to manage monthly payments effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of June 5, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, unchanged over the past 30 days. This consistent range offers members predictable financing costs for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide added flexibility without rate fluctuations. Members looking for reliable, affordable financing can consider these stable rates when planning their next vehicle purchase. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of June 5, 2026, ORION’s new auto loan APR remains steady at 3.45%, showing no change over the past 30 days. This consistent rate offers members reliable affordability when financing new vehicles. For those seeking predictable monthly payments, locking in this stable rate now could be beneficial. Explore longer-term loan options if you prefer lower monthly installments without rate fluctuations. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of June 5, 2026, SHELL’s new auto loan rates remain stable with an APR range of 3.49% to 18.00%, unchanged over the past 30 days. This steady rate environment offers members consistent access to affordable financing on new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide additional budgeting flexibility. Members can confidently plan purchases knowing rates have not increased recently. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
As of June 5, 2026, COMMUNITY RESOURCE’s new auto loan rates remain steady between 3.49% and 9.64% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing for new vehicles. For those seeking affordability, the lowest APR of 3.49% represents a competitive option. Members may want to explore longer-term loans to manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
Before you head to the dealership, check your rates on LendMesh. You’ll walk in with confidence—and likely save money. We connect you with banks and credit unions offering pre-approval and flexible terms on vehicle loans. See what’s possible at https://www.lendmesh.com/loans/vehicle_loans and skip the guesswork.
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Conclusion
Looking ahead, now is a smart time to either secure a new vehicle loan or consider refinancing your current auto loan to take advantage of today’s competitive credit union rates. If you qualify for the lowest tiers, especially at ATOMIC or UNITED, acting sooner rather than later can lock in better terms before potential rate shifts occur. Motorcycle and recreational vehicle buyers should monitor ATOMIC’s stable offerings as a reliable option. Remember to check your credit score and loan term options carefully; shorter terms often yield lower APRs but higher monthly payments. For families planning future purchases, setting alerts on your preferred credit unions’ rates can help you jump on any further improvements. Ultimately, staying informed and proactive will maximize your chances of financing your next vehicle with confidence and savings in mind.