Introduction
On July 10, 2026, savvy vehicle shoppers can take advantage of some standout loan rates across credit unions. The lowest APR for auto loans is an attractive 2.99% at both Polish & Slavic and United Credit Unions, offering a great starting point for anyone looking to finance a new car. Motorcycle enthusiasts will find competitive rates too, with United Credit Union leading at 4.75% APR, down from last month when some lenders didn’t even list rates. Recreational vehicle buyers should note that Dade County offers the most appealing range now, with rates as low as 4.75%, a solid opportunity if you’ve been eyeing that RV upgrade. Rates have remained mostly stable over the past month, though United’s auto loan top rate dropped by 50 basis points since 30 days ago, signaling tightening competition. Whether you’re buying your first car or upgrading your family ride, these current credit union deals could save you hundreds over the life of your loan.
New - Vehicle Loans
| Lender | Product | 2026-07-10 Current | 2026-07-03 7 Days Ago | 2026-06-25 15 Days Ago | 2026-06-10 30 Days Ago | 2026-05-26 45 Days Ago | 2026-05-11 60 Days Ago | 2026-04-11 90 Days Ago | 2026-01-11 180 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% | 2.99 - 5.99% | 3.50 - 5.99% |
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 3.50 - 5.00% | 3.50 - 5.00% | 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 - 5.69% | 3.24 - 4.69% | 3.24 - 4.69% | 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% | 3.34 - 4.09% | 3.74 - 4.49% | 3.74 - 4.49% | 3.74 - 4.49% |
| PENTAGON FEDERAL CREDIT UNION | Auto | 3.39 - 5.74% | 3.39 - 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% | 3.45% | 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% |
| 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% | 4.00% | 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% | 4.00 - 5.00% | N/A | N/A | N/A | N/A | N/A |
| UNITED CREDIT UNION | Motorcycle | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | N/A | N/A | 4.75 - 6.00% | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Recreational | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Recreational | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | N/A | N/A | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | 6.25% | N/A | N/A | N/A | 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 |
| FINANCIAL CENTER FIRST CREDIT UNION | Motorcycle | 6.74% | 6.74% | 6.74% | N/A | N/A | N/A | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Other | 6.75 - 8.00% | 6.75 - 8.00% | 6.75 - 8.00% | N/A | N/A | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | N/A | N/A | N/A | N/A | N/A |
| 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 |
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 July 10, 2026, POLISH & SLAVIC's new vehicle loan rates remain stable with no changes over the past 30 days. New auto loans offer competitive APRs from 2.99% to 5.99%, providing affordable financing options. Motorcycle and recreational loans hold steady at 7.00% and 6.25% APR, respectively. Members seeking lower monthly payments may consider longer-term auto loans within this range for better budgeting flexibility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNITED CREDIT UNION
As of July 10, 2026, UNITED’s new vehicle loan rates remain stable compared to the past 30 days. The Auto loan APR holds steady between 2.99% and 5.00%, improving from 5.50% a month ago, offering members some of the most affordable financing options available. Motorcycle loans maintain rates from 4.75% to 6.00%, consistent over the last two weeks. Recreational vehicle loans stay unchanged at 6.25% to 6.75%. Members seeking lower monthly payments should consider longer terms within these competitive ranges for better budgeting flexibility. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of July 10, 2026, TYNDALL's new auto loan rates remain steady between 3.24% and 5.69% APR, with no changes over the past 30 days. This stability provides members consistent access to affordable financing options for new vehicles. Consider longer-term loans if you seek manageable monthly payments within this rate range. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of July 10, 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 for the last two weeks. For members seeking the most affordable financing, new auto loans offer competitive low rates suitable for shorter-term budgeting. Consider exploring different loan terms to balance monthly payments and interest costs effectively. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of July 10, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, with no changes over the past 30 days. This stability provides members predictable financing costs when purchasing a new vehicle. For those seeking affordability, the lowest rates start at 3.39% APR, making it a competitive option for new auto loans. Consider longer-term loans if you aim to lower monthly payments while managing interest costs effectively. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of July 10, 2026, ORION’s new auto loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistency provides a reliable option for members seeking affordable financing on new vehicles. Consider longer-term loans if you want to lower monthly payments while maintaining this competitive rate. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of July 10, 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 stable range offers members predictable financing costs for new vehicles. For those seeking affordability, the lowest rate of 3.49% APR presents a competitive option. Consider longer-term loans to manage monthly payments effectively while securing consistent rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FINANCIAL CENTER FIRST CREDIT UNION
As of July 10, 2026, new auto loan rates at FINANCIAL CENTER FIRST remain steady at 3.49% APR, down from 3.99% fifteen and thirty days ago, a notable 50 basis points decrease over the past month. Motorcycle loans hold firm at 6.74% APR, unchanged for two weeks, while Other vehicle loans stay at 7.49% APR, slightly higher than some rates last month. For members seeking affordability, the new auto loan offers the lowest rate and best value. Consider longer-term options to manage monthly payments effectively. For more details, visit https://www.fcfcu.com/rates/auto-rates.
DADE COUNTY FEDERAL CREDIT UNION
As of July 10, 2026, new vehicle loan rates at DADE COUNTY remain steady with no changes over the past 30 days. The Auto loans offer the most affordable range from 3.49% to 6.69% APR, providing consistent value for members financing new cars. Motorcycle loans hold firm between 4.00% and 5.00% APR, while Recreational loans range from 4.75% to 5.75% APR. The Other vehicle category carries higher rates, from 6.75% to 8.00% APR. For members seeking manageable payments, exploring longer-term Auto loan options could be beneficial. For more details, visit https://www.dcfcu.org/loan-rates.
NECHES FEDERAL CREDIT UNION
As of July 10, 2026, NECHES new auto loan rates remain steady between 3.50% and 5.25% APR, unchanged over the past 15 days but down from 4.00% a month ago. This stability offers members consistent access to affordable financing for new vehicles. Consider shorter-term loans to secure the lower end of the rate range if you want to minimize interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
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Conclusion
If you’re in the market now or considering refinancing, locking in one of today’s low APRs, especially around the 2.99% mark, is smart financial planning. Keep an eye on credit unions like Polish & Slavic and United for consistent, competitive offers on autos and motorcycles alike. For families and outdoor lovers, exploring recreational loan options at Dade County could stretch your budget further than expected. While rates have held steady recently, market conditions can shift quickly, so don’t delay if you find a deal that fits your needs. Lastly, maintaining strong credit and preparing your finances can open doors to these best-in-class rates when you’re ready to buy or refinance next. Staying informed and proactive means more savings and less stress behind the wheel.