Introduction
As of June 26, 2026, savvy vehicle buyers can take advantage of some standout financing options at credit unions nationwide. The lowest auto loan rate is an impressive 2.99% APR offered by both Polish & Slavic and United Credit Unions, keeping monthly payments friendly for car shoppers. Motorcycle enthusiasts should note that United’s rates range from 4.75% to 6.00% APR, a solid choice compared to others like Polish & Slavic’s flat 7.00%. Recreational vehicle buyers have options starting as low as 4.75% APR at Dade County CU, with most credit unions holding steady this month, no sudden spikes or drops in rates to worry about. One notable change is Pentagon CU’s auto loan rate dropping from 4.19% to 3.39% APR, a 80 basis point improvement that could save you a bundle on interest. Whether you’re eyeing a family SUV, your first motorcycle, or an RV adventure rig, now is a smart time to lock in these competitive credit union rates and maximize your savings.
New - Vehicle Loans
| Lender | Product | 2026-06-26 Current | 2026-06-19 7 Days Ago | 2026-06-11 15 Days Ago | 2026-05-27 30 Days Ago | 2026-05-12 45 Days Ago | 2026-04-27 60 Days Ago | 2026-03-28 90 Days Ago | 2025-12-28 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| POLISH & SLAVIC FEDERAL CREDIT UNIONLOWEST | 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% | 3.50 - 5.99% |
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 3.50 - 5.00% | 3.50 - 5.00% | 4.45 - 5.55% | 4.45 - 5.55% | 5.20 - 6.30% |
| 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% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Auto | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.74 - 4.49% | 3.74 - 4.49% | 3.74 - 4.49% | 3.74 - 4.49% |
| PENTAGON FEDERAL CREDIT UNION | Auto | 3.39 - 5.74%▼ 80 bps | 4.19 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | N/A |
| 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 - 9.64% | 3.49 - 9.64% | 3.49 - 9.64% | 3.49 - 9.64% | 3.74 - 9.79% | 3.74 - 9.79% |
| DADE COUNTY FEDERAL CREDIT UNION | 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% |
| 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% |
| DADE COUNTY FEDERAL CREDIT UNION | Motorcycle | 4.00 - 5.00% | 4.00 - 5.00% | N/A | N/A | N/A | N/A | N/A | N/A |
| UNITED CREDIT UNION | Motorcycle | 4.75 - 6.00% | 4.75 - 6.00% | N/A | N/A | 4.75 - 6.00% | N/A | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Recreational | 4.75 - 5.75% | 4.75 - 8.00% | N/A | N/A | N/A | N/A | N/A | N/A |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Recreational | 5.59 - 6.34% | 5.59 - 6.34% | N/A | N/A | N/A | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | N/A | N/A | N/A | 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 |
| DADE COUNTY FEDERAL CREDIT UNION | Other | 6.75 - 8.00% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Motorcycle | 6.99 - 7.74% | 6.99 - 7.74% | N/A | N/A | N/A | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Recreational | 6.99 - 9.64% | 6.99 - 9.64% | N/A | N/A | N/A | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 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% | 6.25 - 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.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of June 26, 2026, new vehicle loan rates at POLISH & SLAVIC remain stable, with Auto loans holding steady between 2.99% and 5.99% APR over the past 30 days. Motorcycle loans are fixed at 7.00% APR, unchanged in the last week, while Recreational loans maintain a consistent 6.25% APR. Members seeking affordability will find the Auto loan range most competitive. For those prioritizing manageable payments, consider exploring longer-term options within these stable rates to optimize monthly costs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNITED CREDIT UNION
As of June 26, 2026, UNITED’s new auto loan rates remain steady at 2.99% to 5.00% APR, improving from a 3.50% low 30 days ago, offering members more affordable financing options. Motorcycle loans hold firm at 4.75% to 6.00% APR, consistent for the past week. The recreational loan range is stable between 6.25% and 6.75% APR. Notably, the “Other” vehicle loan rate is unchanged at 11.39% APR after a broader range last month. For members seeking cost-effective financing, focus on new auto loans with competitive rates and consider longer terms to manage payments effectively. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of June 26, 2026, TYNDALL's new auto loan rates remain steady, holding between 3.24% and 5.69% APR, unchanged over the past 30 days except for a slight increase from 4.69% to 5.69% at the upper end. This stable range offers members consistent access to affordable financing on new vehicles. For those prioritizing lower monthly payments, exploring longer-term loans within this rate band may provide added flexibility. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of June 26, 2026, new auto loan rates at AMERICAN AIRLINES Credit Union remain steady between 3.34% and 4.09% APR, showing no change over the past 30 days. The recreational vehicle loan rates also hold firm at 5.59% to 6.34% APR with consistent pricing from last week. Members seeking the most affordable financing should consider the new auto loans for competitive rates. For those aiming to manage monthly payments, exploring longer-term loan options may provide financial flexibility. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of June 26, 2026, PENTAGON’s new auto loan rates show a notable improvement on the lower end, dropping from 4.19% a week ago to 3.39% today, while the upper range remains steady at 5.74%. This reduction offers members more affordable financing options for new vehicles. Consider shorter-term loans to take advantage of these lower rates and reduce overall interest costs. For detailed rate information and loan terms, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of June 26, 2026, ORION’s New Auto Loan APR remains steady at 3.45%, showing no change over the past 30 days. This consistent rate provides reliable affordability for members financing new vehicles. For those seeking predictable payments without rate fluctuations, this product offers stable financing. Consider longer-term loan options to manage monthly expenses effectively while benefiting from this competitive rate. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans,
SHELL FEDERAL CREDIT UNION
As of June 26, 2026, SHELL's new auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This consistency provides members with predictable financing costs for new vehicles. For those seeking affordability, the lowest rates start at 3.49% APR, making it a solid option for new car purchases. Consider longer-term loans if you want to reduce monthly payments while maintaining a fixed rate. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
COMMUNITY RESOURCE CREDIT UNION
As of June 26, 2026, COMMUNITY RESOURCE maintains stable new vehicle loan rates with no changes over the past week. New auto loans hold an attractive APR range of 3.49% to 5.29%, consistently low compared to 15 and 30 days ago when the upper rate was as high as 9.64%. For members considering motorcycles or recreational vehicles, rates remain steady at 6.99% to 7.74% and 6.99% to 9.64%, respectively. Members seeking affordability should consider new auto loans for the lowest APRs available. Check longer terms to manage monthly payments effectively. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
DADE COUNTY FEDERAL CREDIT UNION
As of June 26, 2026, new auto loan rates at DADE COUNTY remain steady between 3.49% and 6.69% APR, consistent over the past 30 days. The motorcycle loan range holds firm at 4.00% to 5.00% APR, unchanged in the last week. Notably, recreational loans improved from a high of 8.00% down to 5.75% APR, offering better affordability for members. The newly listed other vehicle loans start at 6.75%, providing an option for diverse financing needs. For members seeking lower payments, exploring longer-term loans could be beneficial. For more details, visit https://www.dcfcu.org/loan-rates.
NECHES FEDERAL CREDIT UNION
NECHES credit union’s new Auto loan rates remain steady at 3.50% to 5.25% APR over the past 30 days, offering consistent affordability for members financing new vehicles. This stable range provides a reliable option for borrowers seeking competitive rates without recent fluctuations. For members prioritizing predictable payments, exploring longer-term loans could help manage monthly expenses effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
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Conclusion
Looking ahead, if you’re considering buying or refinancing your vehicle, act quickly to secure these low rates before market shifts occur. Refinancing an existing loan through credit unions like Polish & Slavic or United can lower your monthly bills and free up cash flow for other priorities. For new purchases, compare offers across credit unions, some like American Airlines and Tyndall offer attractive mid-range rates worth considering depending on your credit profile and vehicle type. Keep an eye on Pentagon’s improving auto loan rates as well; they could signal more competitive deals soon. Ultimately, staying informed and prepared will help you make the best financial move whether upgrading your ride or hitting the road for the first time in years. Start with pre-approval today and turn these strong credit union deals into real savings tomorrow.