Introduction
As of June 24, 2026, savvy vehicle buyers can take advantage of some impressive financing options across credit unions. The lowest auto loan APR is a standout 2.99% at UNITED and DEL NORTE, offering excellent rates for car shoppers aiming to save on interest. Motorcycle enthusiasts will find competitive rates too, with UNITED’s range from 4.75% to 6.00% leading the pack this week. Notably, UNITED’s auto rates have held steady at the low end but showed a slight tightening in their upper range compared to last month, signaling a good moment to lock in favorable terms. Recreational vehicle financing remains a bit pricier but consistent, with rates around 6.25% to 7.49% depending on the credit union. For families and individual buyers looking beyond just cars, these rate fluctuations over the last 30 days highlight opportunities to act now before any upward shifts occur. Whether you’re eyeing a new ride or upgrading your motorcycle, exploring these credit union offers today could translate into significant savings.
Used - Vehicle Loans
| Lender | Product | 2026-06-24 Current | 2026-06-17 7 Days Ago | 2026-06-09 15 Days Ago | 2026-05-25 30 Days Ago | 2026-05-10 45 Days Ago | 2026-04-25 60 Days Ago | 2026-03-26 90 Days Ago | 2025-12-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.50% | 2.99 - 4.50% | 3.50 - 4.00% | 4.20 - 4.40% | 4.45 - 4.65% | 4.45 - 4.65% | 5.20 - 6.30% |
| DEL NORTE CREDIT UNIONLOWEST | Auto | 2.99 - 12.64%▼ 100 bps | 3.99 - 12.64% | 3.99 - 12.64% | 3.99 - 12.64% | 3.99 - 12.64% | 3.99 - 12.64% | 3.99 - 12.64% | 2.99 - 12.64% |
| TYNDALL FEDERAL CREDIT UNION | 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% |
| ORION FEDERAL CREDIT UNION | Auto | 3.45% | 3.45% | 3.45% | 3.45% | 3.45% | 3.45% | 3.95% | 3.95% |
| SHELL FEDERAL CREDIT UNION | 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% |
| COMMUNITY RESOURCE CREDIT UNION | Auto | 3.49 - 5.29% | 3.49 - 5.29% | 3.49 - 9.79% | 3.49 - 9.79% | 3.49 - 9.79% | 3.49 - 9.79% | 3.74 - 9.79% | 3.74 - 9.79% |
| FIVEPOINT CREDIT UNION | 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% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Auto | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% |
| TOWER FEDERAL CREDIT UNION | Auto | 3.74 - 6.24% | 3.74 - 6.24% | N/A | N/A | N/A | N/A | N/A | N/A |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 5.50% |
| UNITED CREDIT UNION | Motorcycle | 4.75 - 6.00%▼ 50 bps | 5.25 - 6.50% | N/A | N/A | 5.55 - 5.65% | N/A | N/A | N/A |
| UNITED CREDIT UNION | Recreational | 6.25 - 6.75% | 6.25 - 6.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Motorcycle | 6.49 - 6.99% | 6.49 - 6.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Recreational | 6.74 - 12.50% | 6.74 - 12.50% | N/A | N/A | N/A | N/A | N/A | N/A |
| MAX CREDIT UNION | Recreational | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
| DEL NORTE CREDIT UNION | Recreational | 7.49 - 9.24% | 7.49 - 9.24% | N/A | N/A | N/A | N/A | N/A | 7.49 - 9.24% |
| COMMUNITY RESOURCE CREDIT UNION | Motorcycle | 7.74 - 8.29% | 7.74 - 8.29% | N/A | N/A | N/A | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Recreational | 7.74 - 9.79% | 7.74 - 8.49% | N/A | N/A | N/A | N/A | N/A | N/A |
| UNITED CREDIT UNION | Other | 11.39% | 11.39% | N/A | 4.75 - 11.39% | 6.55 - 11.39% | N/A | 5.80 - 11.39% | 6.55 - 11.39% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
UNITED CREDIT UNION
Used vehicle loan rates at UNITED show mixed movement this month. Used Auto loans remain competitively low at 2.99% to 5.00% APR, with the upper range improving by 50 basis points over the last week, offering strong affordability for members. Motorcycle loan rates have decreased by about 50 bps in seven days, now ranging from 4.75% to 6.00%. The Recreational loan rates hold steady between 6.25% and 6.75% APR. The Other category’s single rate of 11.39% APR remains unchanged from a week ago but is higher than rates seen 30 days prior. For members seeking lower payments, explore longer-term used auto loans for potential savings. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
DEL NORTE CREDIT UNION
Used auto loan rates at DEL NORTE have improved, with the APR range dropping from 3.99%-12.64% to 2.99%-12.64% over the past week, offering members more affordable financing options. Recreational vehicle loans remain steady at 7.49%-9.24%, providing consistent rates for these specialized vehicles. Members seeking lower monthly payments should consider longer-term used auto loans with the current low starting APR of 2.99%. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
TYNDALL FEDERAL CREDIT UNION
For used vehicle loans at TYNDALL, Auto loan rates remain steady at 3.24% to 5.69% APR over the past 30 days, with no recent changes. The upper end of the range increased from 4.69% to 5.69% since last month, indicating a shift in higher-tier rates while the lower rates stayed stable. Members seeking affordability should consider locking in rates now, especially if targeting the lower APR segment. Reviewing loan terms for longer durations may also help manage monthly payments effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
ORION FEDERAL CREDIT UNION
As of June 24, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate offers members a reliable option for affordable used vehicle financing. For those seeking predictable monthly payments, maintaining this rate stability supports clear budgeting. Consider reviewing loan terms to find the best fit for your financial plan. ORION’s used auto loan provides competitive value with no recent rate fluctuations. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of June 24, 2026, SHELL’s Used Auto Loan rates remain steady between 3.49% and 18.00% APR, showing no change over the past 30 days. This stable range offers members consistent options for affordable used vehicle financing. For those seeking manageable monthly payments, consider longer-term loan options to balance cost and cash flow effectively. Monitoring this rate stability can help you plan your purchase with confidence. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady between 3.49% and 5.29% APR, holding firm over the past 30 days. Motorcycle loans show a stable range of 7.74% to 8.29% APR, while recreational vehicle rates increased slightly from 8.49% to 9.79% APR in the last week. For members seeking affordability, used auto loans offer the most competitive rates currently available. Consider exploring longer terms if lower monthly payments are a priority. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
FIVEPOINT CREDIT UNION
As of June 24, 2026, FIVEPOINT’s used vehicle loan rates remain steady, with the Auto loans ranging from 3.50% to 16.25% APR and Recreational loans from 3.50% to 16.75% APR, showing no change over the past 30 days. The consistent rates provide reliable financing options for members seeking used vehicles. For those prioritizing affordability, the lowest APR of 3.50% offers competitive value. Consider longer-term loan options if managing monthly payments is a priority. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
NECHES FEDERAL CREDIT UNION
Used auto loan rates at NECHES remain steady at 3.50% to 5.25% APR, showing no change over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility. The current range continues to represent an affordable choice for used vehicle financing. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
TOWER FEDERAL CREDIT UNION
Used vehicle loan rates at TOWER remain steady this week, with Auto loans offering the most affordable range at 3.74% to 6.24% APR. Motorcycle loans hold firm between 6.49% and 6.99% APR, while Recreational loans range from 6.74% up to 12.50% APR. Since rates have not changed over the past 7 days, members can confidently explore current offers. For lower monthly payments, consider longer-term used auto loans within the competitive rate band. For more details, visit https://www.towerfcu.org/rates/loan-rates,
MAX CREDIT UNION
Used vehicle loan rates at MAX remain stable, with Auto loans holding steady at 3.75% APR over the past 30 days, offering the most affordable financing option for members. The Recreational loan rate also remains unchanged at 7.00% APR. Members seeking lower monthly payments should consider long-term Auto loans, which provide consistent, competitive rates. Monitoring these steady rates can help members plan their financing without surprises. For more details, visit https://www.mymax.com/save/personal-financial-rates,
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Conclusion
Looking ahead, if you’re considering buying or refinancing a vehicle, now is an ideal time to explore credit union loans with sub-3% APRs like those at UNITED and DEL NORTE for autos. Keeping an eye on weekly rate movements can help you spot when lenders tighten or loosen terms, giving you leverage in negotiations. For motorcycle and recreational loans, locking in current competitive rates before potential increases makes sense if your purchase timeline is flexible. Additionally, if you already have a loan with higher rates, investigating refinancing options with these credit unions might reduce your monthly payments or total interest paid. Ultimately, staying informed and acting decisively on these stable yet shifting rates empowers you to maximize your buying power and enjoy better financing terms on your next vehicle purchase.