Introduction
As of July 24, 2026, savvy vehicle shoppers can score some of the lowest auto loan rates available today, with UNITED and POLISH & SLAVIC credit unions both offering a standout 2.99% APR on auto loans. Motorcycle buyers have solid options too, with DADE COUNTY providing rates as low as 4.00%, while recreational vehicle enthusiasts might explore UNITED’s competitive range starting at 6.25% APR. Notably, rates have remained stable over the past month, giving buyers confidence in current financing offers without sudden jumps, no significant rate shifts to report this week. For families or enthusiasts looking to save on their next purchase or refinance, locking in these steady low rates now could mean substantial savings over the life of your loan. With credit unions generally offering more favorable terms than traditional lenders, it’s worth checking eligibility and pre-approval to get ahead in negotiations.
New - Vehicle Loans
| Lender | Product | 2026-07-24 Current | 2026-07-17 7 Days Ago | 2026-07-09 15 Days Ago | 2026-06-24 30 Days Ago | 2026-06-09 45 Days Ago | 2026-05-25 60 Days Ago | 2026-04-25 90 Days Ago | 2026-01-25 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 3.50 - 5.00% | 4.45 - 5.55% | 5.20 - 11.39% |
| 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% |
| 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% | 3.39 - 5.74% |
| 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% |
| 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% |
| 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 |
| 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 | 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 |
| 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 | N/A |
| 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 |
| 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 |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | 6.25% | 6.25% | 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 | N/A |
| 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% | 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% | 6.74 - 7.49% |
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 24, 2026, UNITED’s new vehicle loan rates remain steady across all products with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 2.99% to 5.00%, providing a competitive option for members financing a new car. Motorcycle loans hold steady between 4.75% and 6.00%, while Recreational vehicle loans range from 6.25% to 6.75%. Members seeking lower monthly payments may want to explore longer-term options within these stable rates. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of July 24, 2026, POLISH & SLAVIC’s new vehicle loan rates remain steady with no changes over the past 30 days. New auto loans hold a competitive APR range of 2.99% to 5.99%, offering affordable options for members seeking financing flexibility. The Motorcycle loan rate stays fixed at 7.00%, while Recreational vehicle loans maintain a consistent 6.25% APR. Members looking for lower monthly payments should consider longer-term auto loans within the given range to maximize affordability. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
TYNDALL FEDERAL CREDIT UNION
As of July 24, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 5.69% APR, unchanged over the past 30 days. This consistent pricing offers members reliable access to affordable financing for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility. Maintaining stable rates ensures predictable borrowing costs for members planning new vehicle purchases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of July 24, 2026, AMERICAN AIRLINES' new vehicle loan rates remain steady with Auto loans at 3.34% to 4.09% APR and Recreational loans at 5.59% to 6.34% APR over the past 30 days. Members seeking the most affordable financing should consider new auto loans, which offer competitive fixed rates. For those balancing monthly budgets, exploring longer terms on auto loans may provide manageable payments without rate fluctuations. Staying informed about rate stability helps members plan effectively for new vehicle purchases. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of July 24, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, showing no change over the past 30 days. This consistent pricing offers members reliable financing options for new vehicles. For those seeking affordable loans, the lower end of this range presents competitive rates worth considering. Review loan terms carefully and consider longer durations if you want to reduce monthly payments while maintaining stable rates. For more details, visit https://www.penfed.org/auto#navRates.
ORION FEDERAL CREDIT UNION
As of July 24, 2026, ORION’s new auto loan rate remains steady at 3.45% APR, with no changes over the past 30 days. This consistent rate offers reliable affordability for members financing new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options may provide additional budgeting flexibility. Maintaining a stable APR supports clear financial planning without unexpected rate increases. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans,
FINANCIAL CENTER FIRST CREDIT UNION
As of July 24, 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 and other new vehicle loans remain steady at 6.74% and 7.49% APR, respectively. Members seeking the most affordable financing should consider the new auto loan option. For those prioritizing manageable monthly payments, exploring longer-term loans could provide additional savings. For more details, visit https://www.fcfcu.com/rates/auto-rates.
SHELL FEDERAL CREDIT UNION
As of July 24, 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 stability provides members with consistent financing options for new vehicles. The lowest rates at 3.49% APR offer competitive affordability for qualified borrowers. Members seeking manageable payments should consider longer-term loans, which often carry lower monthly costs despite varying APRs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
DADE COUNTY FEDERAL CREDIT UNION
As of July 24, 2026, DADE COUNTY's new vehicle loan rates remain steady across all categories compared to the past 30 days. The Auto loan rates hold at 3.49% to 6.69% APR, offering the most affordable financing option for new vehicles. Motorcycle loans range from 4.00% to 5.00% APR, maintaining consistent value for members seeking two-wheel financing. While Recreational loan rates stay between 4.75% and 5.75% APR, note that rates were higher (up to 8.00%) thirty days ago, indicating recent stabilization. For the best monthly payments, consider longer terms within these fixed ranges. For more details, visit https://www.dcfcu.org/loan-rates,
FIVEPOINT CREDIT UNION
As of July 24, 2026, FIVEPOINT’s new vehicle loan rates remain steady with no changes in the past 30 days. The Auto loan APR ranges from 3.50% to 16.25%, offering affordable financing options for members seeking new cars. Similarly, the Recreational vehicle loan APR stays at 3.50% to 16.75%. Members looking for lower monthly payments should consider longer-term loans within these ranges to optimize affordability. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
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Conclusion
Looking ahead, if you’re considering a new vehicle or thinking about refinancing an existing loan, now is an excellent time to act while rates remain steady and competitive. Keep an eye on credit unions like UNITED and POLISH & SLAVIC for top-tier auto financing deals near 3% APR. For motorcycle or RV financing, comparing offers from DADE COUNTY and AMERICAN AIRLINES could unlock better terms tailored to your lifestyle needs. Remember, getting pre-approved can strengthen your bargaining power at the dealership and help you avoid last-minute rate increases. If you’re juggling multiple vehicles or planning a recreational purchase, consider consolidating loans or refinancing to take advantage of these consistent credit union rates before any market shifts occur. Staying proactive with your financing choices means putting yourself in the driver’s seat for smarter spending and long-term savings.