Introduction
As of June 10, 2026, savvy car shoppers and motorcycle enthusiasts can find some standout financing opportunities across credit unions. The lowest APR available today is an impressive 2.50% for auto loans at ATOMIC Credit Union, making it a fantastic option for those hunting for affordable vehicle financing. Motorcycle loans remain steady at ATOMIC, ranging between 9.50% and 9.88%, while recreational vehicle rates hold firm just under 8% to a little over 9%. Notably, POLISH & SLAVIC Credit Union recently trimmed its minimum auto loan rate by 51 basis points from last week’s 3.50% down to 2.99%, signaling a strong opportunity for buyers ready to act now. Meanwhile, UNITED Credit Union maintains competitive rates with a low end of 2.99%, unchanged this week but improved from earlier in the month. Whether you’re shopping for a new ride or considering refinancing, today’s rate landscape offers clear chances to save, especially if you focus on credit unions like ATOMIC and POLISH & SLAVIC with their aggressive low APRs.
Used - Vehicle Loans
Credit Union
Product
2026-06-10
(Current Day)
(Current Day)
2026-06-03
(7 Days Ago)
(7 Days Ago)
2026-05-26
(15 Days Ago)
(15 Days Ago)
2026-05-11
(30 Days Ago)
(30 Days Ago)
2026-04-26
(45 Days Ago)
(45 Days Ago)
2026-04-11
(60 Days Ago)
(60 Days Ago)
2026-03-12
(90 Days Ago)
(90 Days Ago)
2025-12-12
(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
9.50 - 9.88
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
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
7.99 - 9.21
Auto
2.99 - 6.75
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
3.50 - 6.75▲ 51 bps
Auto
2.99 - 4.50
2.99 - 4.50
3.50 - 4.00▲ 51 bps
3.50 - 4.00▲ 51 bps
4.45 - 4.65▲ 146 bps
4.45 - 4.65▲ 146 bps
5.20 - 5.40▲ 221 bps
5.20 - 6.30▲ 221 bps
Auto
3.10 - 11.75
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
Auto
3.24 - 5.69
3.24 - 5.69
3.24 - 4.69
3.24 - 4.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 6.24
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
3.49 - 18.00
Auto
3.49 - 9.79
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
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
3.50 - 16.25
3.75 - 16.75▲ 25 bps
Auto
3.50 - 7.00
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
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this week. Used Auto loans hold the lowest APR range of 2.50% to 13.21%, unchanged over 30 days, offering the most affordable financing option. Motorcycle loans stay steady between 9.50% and 9.88%, while Recreational vehicle rates slightly improved from a 30-day high of 8.36% down to 7.99% at the low end. Members seeking cost-effective financing should consider used auto loans for lower APRs; those preferring specialty vehicles can expect consistent rates without recent increases. Review term options for monthly payment flexibility. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC have improved notably, with today’s APR range at 2.99% to 6.75%, down from 3.50% to 6.75% a week ago. This marks a significant drop of over 50 basis points on the low end, offering members more affordable financing options for used vehicles. Consider locking in rates now to benefit from these lower APRs, especially if you prefer manageable monthly payments. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
For used auto loans at UNITED, rates remain steady today between 2.99% and 4.50% APR, unchanged from last week but improved from 3.50% to 4.00% fifteen and thirty days ago. This stability offers members consistent access to affordable financing for used vehicles. Consider locking in these competitive rates now before potential market shifts occur. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
MARINE FEDERAL CREDIT UNION
Used Auto Loan rates at MARINE remain steady at 3.10% to 11.75% APR over the past 30 days, offering consistent financing options for members. The lowest rates start at 3.10%, providing affordable access for used vehicle buyers. Members seeking manageable monthly payments should consider longer loan terms to maximize affordability. This stability helps members plan confidently without rate fluctuations impacting their budget. 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 5.69% APR over the past month, with no recent changes. While the upper rate has increased slightly from 4.69% fifteen and thirty days ago to 5.69% today, the lower rate holds firm at 3.24%. Members seeking affordability should consider loans at the lower APR range for cost-effective financing. For those prioritizing manageable payments, exploring longer-term options may provide additional flexibility. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
For used auto loans at ORION, the APR remains steady at 3.45% with no changes over the past 30 days. This consistent rate offers reliable affordability for members financing used vehicles. Consider this stable rate when budgeting for your next purchase to avoid surprises. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans,
SHELL FEDERAL CREDIT UNION
As of June 10, 2026, SHELL's Used Auto Loan rates remain steady at 3.49% to 18.00% APR, showing no changes over the past 30 days. The consistent low-end rate of 3.49% APR offers members an affordable financing option for used vehicles. For those seeking manageable payments, consider longer-term loans to spread costs without rate increases. Staying informed about stable rates helps in planning your vehicle purchase effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE have remained stable at 3.49% to 9.79% APR over the past 30 days, reflecting consistent pricing for members seeking affordable financing. The steady rate range offers predictable borrowing costs, making it easier to plan your budget. For lower monthly payments, consider longer-term loans within this rate bracket. Used auto loans provide a reliable option for cost-conscious members looking to finance their next vehicle purchase. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
FIVEPOINT CREDIT UNION
As of June 10, 2026, FIVEPOINT’s used auto loan rates remain steady at 3.50% to 16.25% APR, unchanged over the past 30 days. This consistent range offers members a reliable option for financing used vehicles without rate fluctuations. For those seeking affordability, the lower end at 3.50% APR presents competitive value. Consider longer-term loans to manage monthly payments effectively while securing stable rates. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
Used auto loan rates at University of Illinois Community remain steady at 3.50% to 7.00% APR with no changes over the past 30 days. This consistency provides members predictable financing options for used vehicles. The competitive low end of 3.50% APR offers affordable borrowing for qualified members. Consider longer-term loans to potentially lower monthly payments while maintaining these stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
A great loan can make your car feel even better. At LendMesh, we believe transparency leads to better choices. That’s why we show real rates, not gimmicks, from lenders you can trust. Whether you're buying or refinancing, start your journey at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to explore refinancing if your current loan rates are above today’s market lows, credit unions like ATOMIC and UNITED offer compelling options that could reduce your monthly payments significantly. For those planning to buy soon, locking in one of these sub-3% auto loan rates could mean substantial savings over the life of your loan. Keep an eye on weekly rate shifts, particularly at POLISH & SLAVIC where recent drops show lenders are actively competing for borrowers. If motorcycles or recreational vehicles are on your list, consider waiting for any potential dips since their rates have stayed relatively flat but could adjust as demand changes. Ultimately, staying informed and ready to act on these credit union deals can help you secure financing that fits your budget while getting you on the road with confidence.