Introduction
As of July 17, 2026, credit unions continue to offer some of the most competitive vehicle loan rates in the market. The standout deal today is Polish & Slavic Credit Union’s auto loans starting as low as 2.99% APR, holding steady over the past month, a fantastic opportunity for car buyers looking to save on interest. Motorcycle enthusiasts will find attractive rates too, with United Credit Union offering motorcycle loans from 4.75% to 6.00% APR, improving slightly from last month’s upper range of 6.50%. Recreational vehicle financing remains steady, with DADE COUNTY providing a solid rate range between 4.75% and 5.75%, down from as high as 8.00% a month ago, an encouraging sign for families eyeing an RV upgrade. While some credit unions like SHELL and FIVEPOINT show wider rate ranges, focusing on the lower APRs across programs can lead to substantial savings. With rates stable and some tightening on motorcycle and recreational loans, now is a smart time to explore your options and lock in favorable terms for your next vehicle purchase.
New - Vehicle Loans
| Lender | Product | 2026-07-17 Current | 2026-07-10 7 Days Ago | 2026-07-02 15 Days Ago | 2026-06-17 30 Days Ago | 2026-06-02 45 Days Ago | 2026-05-18 60 Days Ago | 2026-04-18 90 Days Ago | 2026-01-18 180 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 - 6.75% | 2.99 - 5.99% | 3.50 - 5.99% |
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 2.99 - 5.50% | 2.99 - 5.50% | 3.50 - 5.00% | 4.45 - 5.55% | 5.20 - 11.39% |
| TYNDALL FEDERAL CREDIT UNION | Auto | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 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% | 3.34 - 4.09% | 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% |
| 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% |
| 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% | 3.49% | 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 - 16.75% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Motorcycle | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | N/A | N/A | N/A | 4.00 - 5.00% |
| UNITED CREDIT UNION | Motorcycle | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 5.25 - 6.50% | N/A | N/A | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Recreational | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 8.00% | N/A | N/A | N/A | 4.75 - 5.75% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Recreational | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 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% | 6.25 - 6.75% | N/A | N/A | N/A | N/A |
| FINANCIAL CENTER FIRST CREDIT UNION | Motorcycle | 6.74% | 6.74% | 6.74% | 6.74% | 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 | 6.75 - 8.00% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | 7.00% | N/A | N/A | N/A | N/A |
| FINANCIAL CENTER FIRST CREDIT UNION | Other | 7.49% | 7.49% | 7.49% | N/A | 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 17, 2026, new vehicle loan rates at POLISH & SLAVIC remain steady with Auto loans ranging from 2.99% to 5.99% APR, unchanged over the past 30 days. The Motorcycle loan rate holds firm at 7.00% APR, and Recreational loans are stable at 6.25% APR. Members seeking affordability will find new auto loans offer the most competitive rates among these options. For those prioritizing manageable monthly payments, exploring longer-term auto loans could provide additional flexibility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNITED CREDIT UNION
As of July 17, 2026, UNITED’s new vehicle loan rates remain stable, with Auto loans holding steady between 2.99% and 5.00% APR over the past 30 days, improving from a previous high of 5.50%. Motorcycle loan rates have decreased from a 30-day high of 5.25%-6.50% to 4.75%-6.00% APR, offering better affordability for riders. Recreational loans maintain consistent rates at 6.25%-6.75% APR. Members seeking lower monthly payments should consider these stable, competitive options and review longer terms if needed for flexibility. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of July 17, 2026, TYNDALL’s new auto loan rates remain steady between 3.24% and 5.69% APR, showing no change over the past 30 days. This consistent pricing offers members reliable financing options without rate fluctuations. For those seeking affordable new vehicle financing, these stable rates provide predictable budgeting. Consider exploring longer-term loans if you aim to lower monthly payments while maintaining these competitive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of July 17, 2026, new vehicle loan rates at AMERICAN AIRLINES remain stable with no changes over the past 30 days. New auto loans offer competitive APRs between 3.34% and 4.09%, providing affordable financing for members seeking new cars. The recreational vehicle loans hold steady at 5.59% to 6.34% APR. Members looking for cost-effective options should consider the new auto loan program for lower rates. For those interested in manageable payments, reviewing longer-term loan choices could be beneficial. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of July 17, 2026, PENTAGON's new auto loan rates remain steady between 3.39% and 5.74% APR, showing no changes over the past 30 days. This stability offers members consistent affordability on new vehicle financing. For those seeking predictable monthly payments, exploring longer-term loan options may provide additional budget flexibility. Maintaining these competitive rates supports members in planning their vehicle purchases with confidence. For more details, visit https://www.penfed.org/auto#navRates,
ORION FEDERAL CREDIT UNION
As of July 17, 2026, ORION’s new auto loan APR remains steady at 3.45%, showing no change over the past 30 days. This consistent rate offers members reliable affordability for financing new vehicles. For those seeking predictable monthly payments, locking in this stable rate could be advantageous. Consider exploring longer-term options to manage your budget effectively. The unchanged rate underscores ORION’s commitment to accessible vehicle financing. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
DADE COUNTY FEDERAL CREDIT UNION
As of July 17, 2026, DADE COUNTY’s new vehicle loan rates remain steady across all categories compared to the past 30 days. The Auto loan APRs hold at 3.49% to 6.69%, offering the most affordable option for members financing new vehicles. Motorcycle loans maintain a competitive range of 4.00% to 5.00%, while Recreational loan rates stay between 4.75% and 5.75%, slightly improved from a higher peak last month. The Other vehicle loan rates are stable at 6.75% to 8.00%. For members seeking lower payments, exploring longer-term options could be beneficial. For more details, visit https://www.dcfcu.org/loan-rates,
SHELL FEDERAL CREDIT UNION
As of July 17, 2026, SHELL’s new auto loan rates remain steady at 3.49% to 18.00% APR, showing no changes over the past 30 days. This range offers options for members seeking competitive financing on new vehicles. For those prioritizing affordability, the low-end APR at 3.49% provides clear value. Consider exploring longer loan terms if you want to reduce monthly payments while maintaining manageable interest rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FINANCIAL CENTER FIRST CREDIT UNION
As of July 17, 2026, new auto loan rates at Financial Center First have decreased by 50 basis points over the past 30 days, now at a competitive 3.49% APR. Rates for motorcycle loans remain steady at 6.74% APR, while other vehicle loans hold firm at 7.49% APR with no recent changes. Members seeking affordability will find the new auto loan option offers the most favorable rate. For better monthly budgeting, consider exploring longer-term loan options available through the credit union. For more details, visit https://www.fcfcu.com/rates/auto-rates.
FIVEPOINT CREDIT UNION
As of July 17, 2026, FIVEPOINT’s new vehicle loan rates remain stable, with Auto loans holding steady between 3.50% and 16.25% APR and Recreational loans ranging from 3.50% to 16.75% APR over the past 30 days. This consistency offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordability, the lowest APRs on both product types provide competitive entry points. Consider longer-term loans to manage monthly payments effectively while securing these stable rates. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle_loans and apply with confidence.
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Conclusion
Looking ahead, savvy buyers should consider locking in today’s low APRs, especially if you’re financing an auto loan at under 3%. For current owners, exploring refinancing could shave off interest costs given these competitive rates remain stable or slightly better than last month’s figures. Motorcycle and recreational vehicle shoppers might want to act soon before rates shift again, credit unions like DADE COUNTY are offering some of the best deals in those categories right now. If you’re weighing new versus used vehicles, remember that strong credit union offers can make new car financing more affordable than expected. Keep an eye on weekly rate updates and be ready to move when you spot dips near or below these levels. Using credit unions’ transparent and competitive loan programs can put you miles ahead in saving money on your next ride or family adventure vehicle.