Introduction
If you’re shopping for a new ride or looking to finance a motorcycle or recreational vehicle, today’s rates from credit unions offer some solid opportunities to save. As of July 22, 2026, UNITED Credit Union leads with the lowest auto loan APR at an impressive 2.99%, holding steady for the past month. Motorcycle buyers can also find competitive financing here with rates starting at 4.75%. For those eyeing RVs, UNITED’s rates range from 6.25% to 6.75%, giving you options beyond just wheels on the road. Notable changes? Most credit unions have kept their rates stable this month, but keep an eye on COMMUNITY RESOURCE , its auto loan floor nudged up slightly from 3.49% to 3.74%, a subtle but important shift for budget-conscious buyers. Meanwhile, NECHES offers a unique edge for motorcycle enthusiasts with rates as low as 3.75%, making it one of the rare spots where motorcycle loans beat many auto loan offers. Whether you’re a first-time buyer or upgrading your family vehicle, locking in one of these competitive rates could mean big savings over time, so don’t wait too long to shop around and secure financing that fits your needs.
Used - Vehicle Loans
| Lender | Product | 2026-07-22 Current | 2026-07-15 7 Days Ago | 2026-07-07 15 Days Ago | 2026-06-22 30 Days Ago | 2026-06-07 45 Days Ago | 2026-05-23 60 Days Ago | 2026-04-23 90 Days Ago | 2026-01-23 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 4.50% | 3.50 - 4.00% | 4.45 - 4.65% | 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% |
| ORION FEDERAL CREDIT UNION | Auto | 3.45% | 3.45% | 3.45% | 3.45% | 3.45% | 3.45% | 3.45% | 3.95% |
| FINANCIAL CENTER FIRST CREDIT UNION | Auto | 3.49% | 3.49% | 3.49% | 3.99% | 3.99% | 3.99% | 3.99% | 5.49% |
| 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% |
| 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% | 3.50 - 16.75% | N/A | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.50 - 6.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| TOWER FEDERAL CREDIT UNION | Auto | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | N/A | N/A | N/A | N/A |
| COMMUNITY RESOURCE CREDIT UNION | Auto | 3.74 - 5.54% | 3.74 - 5.54% | 3.74 - 5.54% | 3.49 - 5.29% | 3.49 - 9.79% | 3.49 - 9.79% | 3.49 - 9.79% | 3.74 - 9.79% |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 5.50% |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.25% | 3.75 - 5.25% | 3.50 - 5.25% | N/A | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% |
| NECHES FEDERAL CREDIT UNION | Motorcycle | 3.75 - 4.75% | N/A | N/A | 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% | 4.75 - 6.00% | 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 |
| TOWER FEDERAL CREDIT UNION | Motorcycle | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 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 |
| TOWER FEDERAL CREDIT UNION | Recreational | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | 6.74 - 12.50% | 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% | N/A | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% |
| COMMUNITY RESOURCE CREDIT UNION | Motorcycle | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | 7.74 - 8.29% | 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% | 7.74 - 9.79% | 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 22, 2026, UNITED’s used vehicle loan rates remain stable across all categories with no changes in the past 30 days. The most affordable option is the Used Auto Loan, holding steady at 2.99% to 5.00% APR. Motorcycle loans range from 4.75% to 6.00% APR, while Recreational vehicle loans are between 6.25% and 6.75% APR. Members seeking lower monthly payments should consider longer-term loan options available within these products. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of July 22, 2026, TYNDALL’s used auto loan rates remain steady, holding at 3.24% to 5.69% APR over the past 30 days with no changes observed. This consistency offers members reliable financing options without unexpected rate increases. For those seeking affordability, the lower end of the rate range provides competitive terms for used vehicle purchases. Reviewing your loan term length may help 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 22, 2026, ORION’s Used Auto Loan APR remains steady at 3.45%, with no changes over the past 30 days. This consistent rate offers members reliable affordability for used vehicle financing. Consider longer-term loans if you want to manage monthly payments more comfortably while benefiting from this stable rate. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
FINANCIAL CENTER FIRST CREDIT UNION
Used Auto loan rates at FINANCIAL CENTER FIRST have improved, dropping from 3.99% to 3.49% over the past 30 days, offering the most affordable option for members. Motorcycle loans remain steady at 6.74%, providing consistent financing terms. The Other vehicle loan rate holds firm at 7.49%, unchanged in recent weeks. Members seeking lower monthly payments should consider longer-term auto loans given the recent rate decrease. For more details, visit https://www.fcfcu.com/rates/auto-rates.
SHELL FEDERAL CREDIT UNION
As of July 22, 2026, SHELL’s Used Auto Loan rates remain steady at 3.49% to 18.00% APR, showing no change over the past 30 days. This consistent range offers members a clear benchmark for budgeting used vehicle financing. For those seeking affordability, the lowest rate at 3.49% APR represents a competitive option. Consider loan terms and your credit profile to find the best fit. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
FIVEPOINT CREDIT UNION
As of July 22, 2026, FIVEPOINT’s used vehicle loan rates remain stable, with Auto loans at 3.50% to 16.25% APR and Recreational loans at 3.50% to 16.75% APR over the past 30 days. The consistently low starting rates offer members affordable financing options for used vehicles. Consider longer-term loans to lower monthly payments while maintaining competitive APRs. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
TOWER FEDERAL CREDIT UNION
As of July 22, 2026, used vehicle loan rates at TOWER remain steady across all products with no changes in APR over the past 30 days. Used Auto loans offer the most affordable range, from 3.74% to 6.24% APR, providing consistent value for members. Motorcycle and Recreational loans hold stable rates between 6.49%-6.99% and 6.74%-12.50% APR, respectively. For members seeking lower monthly payments, exploring longer-term loan options may be beneficial. For more details, visit https://www.towerfcu.org/rates/loan-rates,
COMMUNITY RESOURCE CREDIT UNION
As of July 22, 2026, COMMUNITY RESOURCE’s used auto loan rates remain steady at 3.74% to 5.54% APR, unchanged over the past 15 days but slightly higher than 30 days ago when rates started at 3.49%. Motorcycle and recreational loan rates hold firm with no changes in the last month, ranging from 7.74% to 9.79%. For members seeking the most affordable financing, used auto loans offer the lowest APRs. Consider longer terms to lower monthly payments while securing competitive rates. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
MAX CREDIT UNION
Used vehicle loan rates at MAX remain stable, with Auto loans at 3.75% APR and Recreational loans at 7.00% APR, unchanged over the past 30 days. The 3.75% APR on used auto loans continues to offer an affordable option for members financing pre-owned vehicles. Members seeking manageable monthly payments should consider longer-term used auto loans to optimize affordability. Monitoring these steady rates can help in planning your vehicle purchase without unexpected rate increases. For more details, visit https://www.mymax.com/save/personal-financial-rates,
NECHES FEDERAL CREDIT UNION
Used Auto loan rates remain stable, holding steady at 3.75 - 5.25% APR over the past week, with a slight increase from 3.50% at the low end 15 days ago. The Recreational loan offers the lowest starting rate at 3.50% APR, providing strong value for members seeking affordable financing in that category. Newly listed, the Motorcycle loan rate starts at 3.75% APR, presenting a competitive option for riders. For those prioritizing budget-friendly payments, consider longer terms to manage monthly costs effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
LendMesh
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Conclusion
Looking ahead, if you already have a vehicle loan with a higher rate, now is a great time to explore refinancing options with credit unions offering sub-4% APRs on autos like UNITED and ORION. For those planning to buy soon, consider pre-approval through these credit unions to lock in favorable terms before any rate shifts occur. Families and enthusiasts should balance timing with needs: while current rates are stable, monitoring small fluctuations, like the slight increase at COMMUNITY RESOURCE, can help you decide when to act. If you’re targeting motorcycles or recreational vehicles, don’t overlook specialty programs at NECHES or TOWER that may provide more tailored deals. Taking action early by comparing multiple credit union offers and understanding their specific programs can maximize your savings and give you peace of mind as you hit the road in your next vehicle. Keep an eye on monthly updates and be ready to pounce on those best-in-market APRs when they appear!