Introduction
As of July 1, 2026, savvy vehicle buyers have plenty of reasons to feel optimistic about financing options. UNITED Credit Union leads the pack with the lowest auto loan APR at a standout 2.99%, offering a great opportunity for car shoppers aiming to minimize interest costs. Motorcycle enthusiasts can find competitive rates too, with UNITED’s motorcycle loans starting at 4.75%. While most credit unions held steady over the past week, it’s worth noting that UNITED’s upper auto loan rate crept up by 50 basis points from 5.00% to 5.50%, signaling a slight shift in borrowing costs. Families eyeing recreational vehicles should watch programs like UNITED’s and AMERICAN AIRLINES’ RV loans, which remain competitively priced between 5.59% and 6.75%. Whether you’re hunting for your next family car, motorcycle, or RV, today’s landscape offers attractive rates, making now a smart time to explore financing before any further rate changes.
Used - Vehicle Loans
| Lender | Product | 2026-07-01 Current | 2026-06-24 7 Days Ago | 2026-06-16 15 Days Ago | 2026-06-01 30 Days Ago | 2026-05-17 45 Days Ago | 2026-05-02 60 Days Ago | 2026-04-02 90 Days Ago | 2026-01-02 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.50% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 4.50% | 3.50 - 4.00% | 4.20 - 4.40% | 4.45 - 4.65% | 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% | N/A | 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% |
| COMMUNITY RESOURCE CREDIT UNION | Auto | 3.49 - 5.29% | 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% |
| FINANCIAL CENTER FIRST CREDIT UNION | Auto | 3.49%▼ 50 bps | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% | 5.49 - 7.49% |
| 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% |
| 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% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Auto | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 4.24 - 4.99% | 4.24 - 4.99% | 4.24 - 4.99% |
| UNITED CREDIT UNION | Motorcycle | 4.75 - 6.00% | 4.75 - 6.00% | N/A | N/A | N/A | 5.55 - 5.65% | 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 |
| 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 |
| FINANCIAL CENTER FIRST CREDIT UNION | Motorcycle | 6.74% | 6.74% | 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% |
| FINANCIAL CENTER FIRST CREDIT UNION | Other | 7.49% | 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Motorcycle | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | N/A | N/A | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Recreational | 7.74 - 9.79% | 7.74 - 9.79% | 7.74 - 9.79% | N/A | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
UNITED CREDIT UNION
As of July 1, 2026, UNITED's used auto loan rates remain steady at 2.99% to 5.50% APR, marking a slight increase in the upper range compared to 30 days ago. The motorcycle loan rates hold firm between 4.75% and 6.00% APR, with no recent changes. Recreational vehicle loans also stay consistent at 6.25% to 6.75% APR. Members seeking the most affordable financing should consider used auto loans, which offer the lowest starting rates. For those prioritizing manageable payments, exploring longer-term options may provide additional savings. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of July 1, 2026, TYNDALL’s used auto loan rates remain steady, holding between 3.24% and 5.69% APR, consistent with the past 15 days. Notably, the upper rate increased from 4.69% thirty days ago, signaling a slight rise in borrowing costs for higher-tier loans. Members seeking the most affordable financing can still access rates starting at 3.24% APR. For those prioritizing manageable payments, exploring longer-term loan options may offer additional relief despite recent rate shifts. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of July 1, 2026, ORION's used auto loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate offers members reliable affordability when financing a used vehicle. For those seeking manageable monthly payments, exploring longer-term loan options may provide additional flexibility. With no recent rate increases, this product continues to represent a stable choice for used auto financing. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
Used vehicle loan rates at COMMUNITY RESOURCE remain steady over the past 30 days, with Auto loans holding firm between 3.49% and 5.29% APR, a significant improvement from the previous high of 9.79%. Motorcycle loans consistently range from 7.74% to 8.29% APR, while Recreational loans stay stable between 7.74% and 9.79% APR. The low and stable Auto loan rates offer members affordable financing options for used vehicles. For those seeking lower monthly payments, consider longer-term Auto loans within this competitive rate range. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
FINANCIAL CENTER FIRST CREDIT UNION
Used auto loan rates at FINANCIAL CENTER FIRST have decreased from 3.99% to 3.49% in the past week, offering members their most affordable option. The motorcycle loan rate remains steady at 6.74%, while the other vehicle loan rate holds at 7.49%, unchanged over the last 7 days but slightly higher than earlier in the month. For members seeking lower monthly payments, consider exploring longer-term auto loans to maximize affordability. For more details, visit https://www.fcfcu.com/rates/auto-rates.
SHELL FEDERAL CREDIT UNION
As of July 1, 2026, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. The low starting rate of 3.49% APR offers an affordable financing option for members seeking used vehicles. To manage monthly payments effectively, consider longer-term loans, which can provide lower monthly costs despite overall interest paid. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used auto loan rates at NECHES remain steady at 3.50% to 5.25% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This stability provides a reliable option for budgeting your purchase without concern for rising rates. Consider shorter-term loans to maintain lower interest costs while managing monthly payments effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
TOWER FEDERAL CREDIT UNION
As of July 1, 2026, TOWER's used vehicle loan rates remain stable with no changes over the past 7 days. Used Auto loans offer the lowest APR range at 3.74% to 6.24%, providing the most affordable financing option for members. Motorcycle loans hold steady between 6.49% and 6.99%, while Recreational vehicle loans range from 6.74% to 12.50%. Members seeking cost-effective financing should consider the used auto loan program for competitive rates. For those preferring lower monthly payments, reviewing long-term loan options may be beneficial. For more details, visit https://www.towerfcu.org/rates/loan-rates.
MAX CREDIT UNION
As of July 1, 2026, used auto loan rates at MAX remain steady at 3.75% APR, showing no change over the past 30 days. Similarly, used recreational vehicle loans hold firm at 7.00% APR with no fluctuations. The consistently low rate on used auto loans provides strong value for members seeking affordable financing. For those prioritizing manageable monthly payments, exploring longer-term used auto loan options may be beneficial. For more details, visit https://www.mymax.com/save/personal-financial-rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of July 1, 2026, AMERICAN AIRLINES credit union’s Used Auto loan rates remain steady at 3.84% to 4.59% APR, unchanged over the past 30 days. Similarly, Used Recreational vehicle loans hold firm between 5.59% and 6.34% APR with no recent fluctuations. The consistent low rates on used autos offer members an affordable financing option. For members prioritizing manageable payments, exploring longer terms within these fixed rates may provide additional budgeting flexibility. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
LendMesh
You’ve found the car. Now it’s time to finance it the smart way. At LendMesh, we bring together credit unions and banks that offer real rates—not teaser deals—so you can compare and choose what fits your life. Whether you’re buying new, used, or refinancing, the road to better auto financing starts here: https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, locking in a low APR like UNITED’s 2.99% auto loan could save you hundreds over your loan term, so don’t hesitate if you’re ready to buy. If you already have a vehicle loan with higher rates, consider refinancing, especially if your current APR is above today’s best deals. For motorcycle and recreational vehicle buyers, it pays to compare programs as some credit unions hold steady while others fluctuate slightly; timing can be everything. Keep an eye on monthly rate trends and your credit score to ensure you qualify for these top-tier offers. Ultimately, whether buying new or used, doing your homework on credit union rates today puts you in control of your vehicle financing, and helps stretch every dollar further in your next purchase or refinance move.