Introduction
On June 12, 2026, savvy car shoppers and motorcycle enthusiasts have plenty of reasons to feel optimistic about vehicle financing. The lowest auto loan APR stands at a remarkable 2.50% with ATOMIC Credit Union, offering one of the most competitive rates in the market today. Motorcycle buyers can also benefit from stable rates, with ATOMIC’s motorcycle loans holding steady between 9.50% and 9.88%. While most credit unions show consistent rates compared to last month, DEL NORTE Credit Union recently trimmed its auto loan floor by 100 basis points, from 3.99% down to 2.99%, creating fresh opportunities for borrowers seeking lower payments. Families looking for recreational vehicle financing will find ATOMIC’s rates remain attractive as well, hovering just under 8%. Whether you’re buying new or refinancing, keeping an eye on these stable yet occasionally shifting rates can help you lock in a great deal and save significantly on your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2026-06-12
(Current Day)
(Current Day)
2026-06-05
(7 Days Ago)
(7 Days Ago)
2026-05-28
(15 Days Ago)
(15 Days Ago)
2026-05-13
(30 Days Ago)
(30 Days Ago)
2026-04-28
(45 Days Ago)
(45 Days Ago)
2026-04-13
(60 Days Ago)
(60 Days Ago)
2026-03-14
(90 Days Ago)
(90 Days Ago)
2025-12-14
(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 - 5.99
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
Auto
2.99 - 5.50
2.99 - 5.50
3.50 - 5.00▲ 51 bps
3.50 - 5.00▲ 51 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 - 12.64
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
2.99 - 12.64
Other
7.49 - 10.18
7.49 - 10.18
7.49 - 10.18
7.49 - 10.18
7.49 - 10.18
7.49 - 10.18
7.49 - 10.18
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 - 6.24
Auto
3.34 - 4.09
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
3.99 - 4.74▲ 65 bps
Other
5.59 - 6.34
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
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
ATOMIC CREDIT UNION
As of June 12, 2026, ATOMIC's new vehicle loan rates remain stable across all products compared to the last 30 days. The Auto loan APR holds steady between 2.50% and 13.21%, offering competitive financing for members seeking new vehicles. Motorcycle loans maintain a narrow range of 9.50% to 9.88%, while Recreational vehicle rates slightly improved from 8.36%-9.21% to 7.99%-9.21% over the past month. Members looking for affordability should consider the consistent low starting rate on new Auto loans. Review longer terms to optimize monthly payments and total interest costs. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of June 12, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 2.99% and 5.99% APR, showing no change over the past 30 days. This consistent range offers members predictable financing costs for new vehicles. For those seeking affordability, the lower end of this rate spectrum provides competitive options. Members considering longer terms may want to explore available loan durations to balance monthly payments with overall interest. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of June 12, 2026, UNITED’s new auto loan rates remain steady at 2.99% to 5.50% APR, unchanged from one week ago but slightly higher on the low end compared to 15 and 30 days ago when rates started at 3.50%. This stability offers members access to some of the most affordable financing options currently available for new vehicles. For those seeking manageable monthly payments, exploring longer loan terms may provide additional savings. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
DEL NORTE CREDIT UNION
As of June 12, 2026, DEL NORTE's new auto loan rates have decreased significantly, now ranging from 2.99% to 12.64% APR, down from 3.99% over the past 7, 15, and 30 days. The Other vehicle loan category remains steady at 7.49% to 10.18% APR. Members seeking the most affordable financing should consider the new auto loans with rates starting under 3%. For those prioritizing manageable monthly payments, exploring longer-term loan options may provide additional relief. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
MARINE FEDERAL CREDIT UNION
As of June 12, 2026, MARINE's new auto loan rates remain steady, holding at 3.10% to 11.75% APR with no changes over the past 30 days. This consistent rate range offers members predictable financing options for new vehicles. For those seeking affordable loans, the lower end of the rate spectrum represents competitive pricing. Reviewing longer-term loan options may help manage monthly payments effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s new auto loan rates remain steady at 3.24% to 5.69% APR over the past week, with the upper range increasing from 4.69% fifteen days ago. This shift suggests slightly higher costs for some borrowers compared to earlier this month. Members seeking the most affordable financing should consider locking in rates near the 3.24% low end. Additionally, exploring longer-term loans may help manage monthly payments despite recent rate changes. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of June 12, 2026, new auto loan rates at AMERICAN AIRLINES remain steady at 3.34% to 4.09% APR, showing no change over the past 30 days. The Other vehicle loan category saw a notable improvement, dropping from 6.74%, 6.99% APR 15 and 30 days ago to a more favorable 5.59%, 6.34% APR today. Members seeking affordability will find the new auto loan product offers the lowest rates currently available. For those considering alternative vehicle types, now is a good time to explore these improved rates. Check long-term options to balance monthly payments and total interest costs effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of June 12, 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 consistent rate range offers members predictable financing costs for new vehicles. For those seeking affordability, the lower end of this spectrum provides competitive financing options. Consider longer-term loans to manage monthly payments effectively while maintaining a fixed rate. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of June 12, 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 a reliable option for affordable vehicle financing. For those seeking predictable monthly payments, locking in this stable rate now could be advantageous. Consider exploring longer-term loans to manage payment amounts effectively. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of June 12, 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 range offers members a clear view of financing costs for new vehicles. For those prioritizing affordability, the lowest rate of 3.49% APR remains accessible. Consider loan terms carefully; longer durations may lower monthly payments but could increase total interest paid. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
Refinancing your vehicle loan could save you hundreds—or even thousands—over the life of your loan. LendMesh makes it easy to compare refinance offers from trusted credit unions and banks. If you’re looking for lower payments or better terms, visit https://www.lendmesh.com/loans/vehicle_loans today.
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Conclusion
As you plan your next vehicle purchase or consider refinancing your current loan, focus on credit unions like ATOMIC and DEL NORTE that offer some of the lowest starting APRs, these can dramatically reduce your monthly payments and overall interest costs. If you're shopping for motorcycles or RVs, maintaining flexibility while monitoring rate trends is key since those markets show less volatility but still hold room for savings. Given the slight dip in some auto loan floors recently, now is an excellent time to check if refinancing could lower your rate. For families balancing budgets, exploring recreational vehicle loans with competitive rates might unlock more affordable options than expected. Staying proactive and comparing current offers will empower you to make smarter financing decisions, and potentially save thousands over the life of your loan.