Introduction
As of June 17, 2026, savvy vehicle buyers have plenty of reasons to get excited about financing options at credit unions. The lowest auto loan APR stands at an impressive 2.99% with UNITED and POLISH & SLAVIC Credit Unions, offering some of the most competitive rates available today. Motorcycle enthusiasts can also take advantage of attractive deals, with UNITED offering rates as low as 5.25%. Notably, UNITED’s auto loan rates show a slight increase on the upper end compared to last week, rising from 4.50% to 5.50%, so locking in a low rate now could save you money. For those eyeing recreational vehicles, UNIVERSITY OF ILLINOIS COMMUNITY Credit Union provides appealing financing starting at just 3.50%. Whether you’re shopping for your next family car, motorcycle, or RV, these credit unions present excellent opportunities to secure financing that won’t break the bank. Keep an eye on shifting rates and consider acting swiftly to capture the best deal for your dream ride.
Used - Vehicle Loans
Credit Union
Product
2026-06-17
(Current Day)
(Current Day)
2026-06-10
(7 Days Ago)
(7 Days Ago)
2026-06-02
(15 Days Ago)
(15 Days Ago)
2026-05-18
(30 Days Ago)
(30 Days Ago)
2026-05-03
(45 Days Ago)
(45 Days Ago)
2026-04-18
(60 Days Ago)
(60 Days Ago)
2026-03-19
(90 Days Ago)
(90 Days Ago)
2025-12-19
(180 Days Ago)
(180 Days Ago)
Auto
2.99 - 5.50
2.99 - 4.50
2.99 - 4.50
3.50 - 4.00▲ 51 bps
4.20 - 4.40▲ 121 bps
4.45 - 4.65▲ 146 bps
4.45 - 4.65▲ 146 bps
5.20 - 6.30▲ 221 bps
Auto
2.99 - 6.75
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
Auto
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 4.69
3.24 - 5.69
3.24 - 5.69
3.24 - 5.69
3.24 - 6.24
Auto
3.49 - 5.29
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
3.49 - 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 - 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 - 5.25
4.00▲ 50 bps
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
3.50 - 5.25
UNITED CREDIT UNION
As of June 17, 2026, UNITED’s used auto loan rates widened to 2.99% - 5.50% APR, increasing at the upper end since last week and a month ago. The motorcycle loans debuted at 5.25% - 6.50% APR, while recreational vehicle loans are available from 6.25% to 6.75% APR. The highest rate is on the “Other” category at 11.39% APR. For members seeking affordability, used auto loans remain the most cost-effective option. Consider longer-term financing to lower monthly payments if higher rates apply to your vehicle type. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 2.99% to 6.75% APR, improving from 3.50% fifteen and thirty days ago, offering members more affordable financing options. The newly listed motorcycle loans carry rates between 7.00% and 7.50% APR, while the other vehicle loan is fixed at 7.25% APR today. Members seeking lower monthly payments should consider these competitive used auto rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
Used Auto loans at TYNDALL maintain stable rates today, ranging from 3.24% to 5.69% APR, unchanged over the past 30 days except for a previous low of 4.69%. This steady pricing offers members consistent affordability when financing used vehicles. Consider longer loan terms if you want lower monthly payments despite slightly higher total interest. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of June 17, 2026, ORION’s Used Auto Loan APR remains steady at 3.45%, unchanged over the past 30 days. This consistent rate offers members reliable affordability when financing a used vehicle. For those seeking predictable monthly payments, locking in this stable APR now could be beneficial. Regularly reviewing loan terms may help identify opportunities for better rates or loan structures. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain stable, holding steady between 3.49% and 5.29% APR, significantly narrower than the 9.79% ceiling seen 7 to 30 days ago. This shift benefits members seeking affordable financing options. Motorcycle and recreational vehicle loans are newly listed with competitive ranges of 7.74% to 8.29% APR and 7.74% to 8.49% APR, respectively. Members considering a used vehicle purchase should compare these fixed rates now to secure favorable terms before potential market changes. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
SHELL FEDERAL CREDIT UNION
As of June 17, 2026, SHELL’s used auto loan rates remain stable at 3.49% to 18.00% APR, showing no change over the past 30 days. This consistency offers members clear expectations when planning vehicle financing. The lowest rate of 3.49% APR provides a competitive option for affordable used car loans. For those seeking manageable monthly payments, exploring longer-term loan options may be beneficial. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
Used vehicle loan rates at FIVEPOINT remain stable with Auto loans holding steady at 3.50% to 16.25% APR over the past 30 days. The Recreational loan product debuted today at 3.50% to 16.75% APR, offering members a new financing option. For those seeking affordability, Auto loans provide consistent competitive rates. Consider longer-term loans if you want to lower monthly payments despite the higher upper APR range. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable, with Auto loans holding steady between 3.50% and 5.25% APR over the past 30 days. Motorcycle loans are newly available at 3.50% to 4.50% APR, providing a competitive option for members interested in two-wheel financing. The Recreational loan program also launched recently, ranging from 3.50% to 6.50% APR. For members seeking affordability, used auto loans offer consistent low rates, while new Motorcycle and Recreational options expand choices. Consider loan terms carefully to balance monthly payments and total interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
For used recreational vehicle loans at UNIVERSITY OF ILLINOIS COMMUNITY, the current APR ranges from 3.50% to 7.00% with no prior data for comparison. This competitive rate window offers members affordable financing options for various recreational vehicles. Members seeking flexible financing should consider these rates when planning purchases, as lower APRs can reduce overall interest costs. For more details, visit https://www.uoficreditunion.org/rates/.
BAXTER CREDIT UNION
As of June 17, 2026, BAXTER’s used vehicle loan rates offer competitive options with Auto loans ranging from 3.64% to 6.14% APR and Recreational loans between 6.44% and 7.44% APR. Since there is no prior rate data for comparison, current rates provide a clear baseline for members seeking affordable financing. Used Auto loans present the most budget-friendly option, ideal for members prioritizing lower interest costs. For those considering larger or specialty vehicles, reviewing recreational loan terms may be beneficial. Explore loan durations and terms closely to align payments with your financial goals. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle_loans and apply with confidence.
Conclusion
Looking ahead, if you’re planning to buy a vehicle soon, now is a smart time to explore refinancing options or new loans before rates potentially climb further. Credit unions like UNITED and POLISH & SLAVIC continue to lead with some of the lowest auto APRs, so compare their offers carefully to maximize savings. For motorcycle and recreational vehicle buyers, targeting credit unions with specialized programs, such as NECHES or UNIVERSITY OF ILLINOIS COMMUNITY, could mean better terms tailored to your needs. Don’t hesitate to ask about flexible loan terms or pre-approval benefits that can streamline your buying experience. Staying proactive by monitoring weekly rate trends will keep you ahead of market shifts and help ensure your next vehicle purchase or refinance is both affordable and aligned with your financial goals.