Introduction
As of July 8, 2026, savvy vehicle buyers have some excellent financing opportunities to explore. UNITED Credit Union leads the pack with the lowest auto loan APR starting at just 2.99%, a solid choice for those looking to save on their next car purchase. Motorcycle enthusiasts will find competitive rates too, with UNITED offering rates from 4.75%, holding steady over the past month. Notably, FINANCIAL CENTER FIRST auto loans saw a small but meaningful drop from 3.99% to 3.49% in the last two weeks, making it a great time to check your options there. While some credit unions like SHELL and FIVEPOINT show wider rate ranges extending up to 18%, focusing on those low starting APRs can make a big difference in monthly payments and total interest paid. Whether you’re eyeing a family car, a weekend motorcycle, or an RV adventure vehicle, these current rates highlight where you can get the best value today.
Used - Vehicle Loans
| Lender | Product | 2026-07-08 Current | 2026-07-01 7 Days Ago | 2026-06-23 15 Days Ago | 2026-06-08 30 Days Ago | 2026-05-24 45 Days Ago | 2026-05-09 60 Days Ago | 2026-04-09 90 Days Ago | 2026-01-09 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.50% | 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 - 5.69% | 3.24 - 4.69% | 3.24 - 4.69% | 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% | 3.45% | 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% |
| FINANCIAL CENTER FIRST CREDIT UNION | Auto | 3.49% | 3.49% | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% | 5.49 - 7.49% |
| 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 - 16.25% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 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% |
| COMMUNITY RESOURCE CREDIT UNION | Auto | 3.74 - 5.54%▲ 25 bps | 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% |
| TOWER FEDERAL CREDIT UNION | Auto | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 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% | 4.75 - 6.00% | 4.75 - 6.00% | N/A | N/A | 5.55 - 5.65% | N/A | N/A |
| UNITED CREDIT UNION | Recreational | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | N/A | N/A | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Motorcycle | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | N/A | N/A | N/A | N/A | N/A |
| FINANCIAL CENTER FIRST CREDIT UNION | Motorcycle | 6.74% | 6.74% | 6.74% | N/A | N/A | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Recreational | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | 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% | 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 8, 2026, UNITED’s used Auto loan rates remain steady at 2.99% to 5.00% APR, with the upper range improving by 50 basis points from 7 days ago but up 50 basis points from 30 days prior. Motorcycle loans hold firm between 4.75% and 6.00% APR, unchanged over the past two weeks. Recreational vehicle loans also stay consistent at 6.25% to 6.75% APR for the last 15 days. For members seeking affordability, used Auto loans offer the lowest starting rates; 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 July 8, 2026, TYNDALL’s Used Auto loan rates remain steady at 3.24% to 5.69% APR, showing no changes over the past 30 days. This stability offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this range presents a competitive option. Consider reviewing different term lengths to optimize monthly payments and total interest costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
ORION FEDERAL CREDIT UNION
As of July 8, 2026, the used auto loan APR at ORION remains steady at 3.45%, unchanged over the past 30 days. This consistent rate offers members a reliable option for affordable vehicle financing without unexpected increases. Members seeking predictable monthly payments may find this stability beneficial. Consider exploring different loan terms to balance payment amounts and total interest paid. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
For July 8, 2026, SHELL’s Used Auto Loan rates remain stable, holding steady at 3.49% to 18.00% APR over the past 30 days. This consistency provides members reliable financing options without rate fluctuations. The lower end of the range offers an affordable entry point for borrowers seeking competitive used vehicle loans. Consider longer loan terms to reduce monthly payments if budgeting flexibility is a priority. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FINANCIAL CENTER FIRST CREDIT UNION
For used vehicle loans at FINANCIAL CENTER FIRST, the Auto loan APR remains steady at 3.49%, improving from 3.99% fifteen and thirty days ago. The Motorcycle loan rate holds firm at 6.74% with no recent changes. The Other vehicle loan APR stays consistent at 7.49%, slightly higher than some rates seen 30 days ago. The most affordable option is the used Auto loan at 3.49% APR, offering members strong value. Consider reviewing longer-term loan options to manage monthly payments effectively. For more details, visit https://www.fcfcu.com/rates/auto-rates,
FIVEPOINT CREDIT UNION
As of July 8, 2026, used auto loan rates at FIVEPOINT remain steady between 3.50% and 16.25% APR, showing no change over the past 30 days. Similarly, used recreational vehicle loans hold firm at 3.50% to 16.75% APR, consistent for the last 15 days. These stable rates offer members predictable financing options. For those prioritizing affordability, the lowest rates on used autos start at 3.50% APR. Consider longer-term loans for manageable monthly payments while locking in these steady rates. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
NECHES FEDERAL CREDIT UNION
Used auto loan rates at NECHES remain stable at 3.50% to 5.25% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This steady rate range provides a reliable option without recent fluctuations. Consider shorter-term loans to take advantage of these competitive rates and reduce overall interest costs. For detailed rate information and loan options, visit https://www.nechesfcu.org/personal/auto/financing/#rates.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady with a slight increase to 3.74% - 5.54% APR today, up from 3.49% - 5.29% over the past 15 days. Motorcycle and recreational loan rates hold firm at 7.74% - 8.29% and 7.74% - 9.79%, respectively. Members seeking affordability should consider used auto loans, which offer the lowest rates among options. Review loan terms carefully to balance monthly payments and total interest cost effectively. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
TOWER FEDERAL CREDIT UNION
Used vehicle loan rates at TOWER remain stable this week, with Auto loans holding steady at 3.74% to 6.24% APR for the past 30 days. Motorcycle loans and Recreational vehicle loans also show no change, maintaining ranges of 6.49% to 6.99% and 6.74% to 12.50% APR, respectively. For members seeking affordability, used auto loans offer the most competitive rates. Consider comparing term lengths to balance monthly payments and interest costs effectively. For more details, visit https://www.towerfcu.org/rates/loan-rates,
MAX CREDIT UNION
As of July 8, 2026, used auto loans at MAX remain steady at a competitive 3.75% APR, showing no change over the past 30 days. The recreational vehicle loan rate also holds firm at 7.00% APR with no recent fluctuations. Members seeking affordability will find the used auto loan to be the most cost-effective option. For those considering larger purchases, exploring longer-term financing may help manage monthly payments effectively. For more details, visit https://www.mymax.com/save/personal-financial-rates.
LendMesh
Looking for a vehicle loan that doesn’t break your budget? LendMesh connects you to credit unions and banks that understand real-life finances. With low rates and transparent terms, you’ll know exactly what you’re getting. Start your engine at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an ideal moment to consider refinancing if your current rate is above 3%, especially with UNITED’s ultra-low auto rates available. If you’re planning to buy new or used, locking in rates below 3% could save you hundreds over your loan term, so don’t wait too long as market conditions can shift quickly. Motorcycle buyers should watch UNITED and TOWER’s consistent offers near 5-7%, balancing affordability and terms. For families thinking about recreational vehicles, carefully compare programs like UNITED and TOWER that offer competitive mid-6% APRs rather than stretching into double digits elsewhere. Ultimately, staying informed and ready to act on these credit union offers can put you in the driver’s seat for both your dream ride and smart financing in 2026.