Introduction
As of June 19, 2026, credit union vehicle loan rates offer some excellent opportunities for savvy buyers. The lowest auto loan APR is an impressive 2.99% at DEL NORTE, POLISH & SLAVIC, and UNITED Credit Unions, giving car shoppers a fantastic chance to save on financing. For motorcycle enthusiasts, UNITED leads with rates as low as 4.75%, while recreational vehicle loans start at 3.50% with FIVEPOINT, making it a great time to consider outdoor adventures. Notably, DEL NORTE’s auto loan upper range dropped by 140 basis points over the past week, improving affordability for higher-risk borrowers. Meanwhile, COMMUNITY RESOURCE saw its top auto rate fall sharply from 9.64% to 5.29%, a significant shift worth watching. Whether you’re eyeing a family SUV or your first motorcycle, these competitive rates across multiple credit unions mean now is a smart time to explore financing options and lock in savings.
New - Vehicle Loans
Credit Union
Product
2026-06-19
(Current Day)
(Current Day)
2026-06-12
(7 Days Ago)
(7 Days Ago)
2026-06-04
(15 Days Ago)
(15 Days Ago)
2026-05-20
(30 Days Ago)
(30 Days Ago)
2026-05-05
(45 Days Ago)
(45 Days Ago)
2026-04-20
(60 Days Ago)
(60 Days Ago)
2026-03-21
(90 Days Ago)
(90 Days Ago)
2025-12-21
(180 Days Ago)
(180 Days Ago)
Auto
2.99 - 11.24
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
2.99 - 12.64
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 - 5.00
2.99 - 5.50
2.99 - 5.50
3.50 - 5.00▲ 51 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
Auto
3.24 - 5.69
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
3.74 - 4.49▲ 40 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
3.49 - 5.29
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 - 9.79▲ 25 bps
Auto
3.49 - 6.69
3.49 - 6.69
3.49 - 6.69
3.49 - 6.69
3.49 - 6.69
3.49 - 6.69
3.49 - 6.69
4.24 - 6.94▲ 75 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
DEL NORTE CREDIT UNION
For June 19, 2026, DEL NORTE’s new auto loan rates remain steady at a low of 2.99% APR, marking a notable decrease from 3.99% thirty days ago, which benefits members seeking affordable financing. The upper rate limit also improved, dropping to 11.24% APR from 12.64%. Meanwhile, the recreational vehicle loan rate is newly listed at 7.49% APR, offering a clear option for those financing motorcycles or similar vehicles. Members should consider long-term auto loans to maximize savings through lower monthly payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of June 19, 2026, POLISH & SLAVIC maintains stable rates on new vehicle loans, with no changes in the past 30 days. The Auto loan APR ranges from 2.99% to 5.99%, offering the most affordable financing option for members. New Motorcycle loans are fixed at 7.00%, and Recreational vehicle loans hold steady at 6.25%. Members seeking lower monthly payments should consider longer-term Auto loans within this rate range for cost efficiency. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of June 19, 2026, UNITED’s new auto loan rates have improved on the upper end, dropping from 5.50% to 5.00% over the past 7 and 15 days, while the lower rate remains steady at 2.99%. The newly listed motorcycle loans range from 4.75% to 6.00%, offering competitive financing for members. Recreational loans are available between 6.25% and 6.75%, with no prior data for comparison. The single-rate Other vehicle loan stands at 11.39%. For those seeking affordability, the new auto loan remains the most cost-effective option; consider longer terms for manageable payments. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of June 19, 2026, TYNDALL’s new auto loan rates remain steady, ranging from 3.24% to 5.69% APR, consistent over the past 15 days. Compared to 30 days ago, the upper rate increased by 100 basis points, indicating a recent rise in higher-tier rates. The most affordable financing option stays at 3.24% APR, offering strong value for members seeking competitive borrowing costs. Consider longer-term loans to manage monthly payments effectively if you prefer more budget flexibility. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of June 19, 2026, AMERICAN AIRLINES' new auto loan rates remain steady between 3.34% and 4.09% APR, unchanged over the past 30 days. The newly listed recreational vehicle loans offer rates from 5.59% to 6.34% APR, providing members with financing options for specialty vehicles. For those seeking the most affordable financing, new auto loans present the lowest rates available today. Consider evaluating loan terms to balance monthly payments and interest costs effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
ORION FEDERAL CREDIT UNION
As of June 19, 2026, ORION’s New Auto Loan APR remains steady at 3.45%, unchanged over the past 30 days. This consistent rate provides members with reliable financing for new vehicles without fluctuations. For those seeking affordable new vehicle financing, the stable 3.45% APR offers a predictable borrowing cost. Consider reviewing loan terms to find options that balance monthly payments and total interest effectively. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of June 19, 2026, new auto loan rates at SHELL remain steady, holding at 3.49% to 18.00% APR with no change over the past 30 days. This stability offers consistent borrowing costs for members financing new vehicles. For those seeking lower monthly payments, consider exploring longer-term loan options within this rate range. New auto loans at SHELL provide a predictable financing environment, which supports informed decision-making when purchasing a vehicle. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
As of June 19, 2026, COMMUNITY RESOURCE's new auto loan rates remain steady at 3.49% to 5.29% APR, a significant improvement from the higher ceiling of 9.64% seen over the past 30 days. This offers members more affordable financing options for new vehicles. Meanwhile, motorcycle loans are available from 6.99% to 7.74% APR, and recreational vehicle loans range between 6.99% and 9.64% APR, both newly listed products with no prior data for comparison. For members seeking lower payments, consider exploring longer-term loans within these competitive rates. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
DADE COUNTY FEDERAL CREDIT UNION
As of June 19, 2026, DADE COUNTY’s new vehicle loan rates remain stable with no changes over the past 30 days. The new Auto loans offer competitive APRs from 3.49% to 6.69%, providing the most affordable financing option for members. Newly listed Motorcycle loans range from 4.00% to 5.00%, and Recreational vehicle loans start at 4.75% up to 8.00%. Members seeking lower monthly payments should consider longer-term loan options within these products to maximize affordability. For more details, visit https://www.dcfcu.org/loan-rates,
FIVEPOINT CREDIT UNION
As of June 19, 2026, FIVEPOINT’s new vehicle loan rates remain steady, with Auto loans ranging from 3.50% to 16.25% APR, unchanged over the past 30 days. The newly listed Recreational loans offer competitive rates between 3.50% and 16.75% APR. For members seeking affordable financing, the consistent low-end APR of 3.50% on Auto loans provides clear value. Consider longer-term loan options to manage monthly payments effectively while benefiting from stable rates. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
LendMesh
We get it—vehicle financing can be full of fine print and guesswork. But it doesn’t have to be. LendMesh helps you break it down with clear comparisons, expert tips, and transparent terms. See how simple it can be at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, consider locking in one of today’s low APRs before potential rate shifts later this summer. If you already have a vehicle loan with higher interest, refinancing through credit unions like UNITED or POLISH & SLAVIC could lower your monthly payments significantly. For buyers on the fence about recreational vehicles or motorcycles, these stable and sometimes falling rates suggest waiting just a bit longer could pay off, especially with programs offering sub-5% APRs on select models. Keep an eye on credit unions like COMMUNITY RESOURCE and DEL NORTE for sudden rate drops that can boost your buying power. Above all, stay proactive: shop around different credit unions, get pre-approved early, and use these competitive rates to negotiate better deals on your next vehicle purchase or refinance.