Introduction
If you’re in the market for a new ride or thinking about refinancing, today’s vehicle loan rates from credit unions offer some smart savings opportunities. As of July 29, 2026, UNITED Credit Union leads with the lowest auto loan APR starting at an impressive 2.99%, holding steady over the past month. Motorcycle buyers can also benefit from UNITED’s competitive rates beginning at 4.75%. For those eyeing recreational vehicles, UNITED offers rates as low as 6.25%, maintaining consistency for the last 30 days. Notably, FINANCIAL CENTER FIRST saw a slight increase in its auto rate last month, from 3.49% to 3.99%, a reminder to act promptly when you spot a good deal. Meanwhile, COMMUNITY RESOURCE’s auto rates edged up marginally on the lower end but remain attractive for borrowers seeking mid-range APRs. With stable and transparent pricing across most credit unions this week, now is an excellent time to compare options carefully. Whether you’re after a family SUV, a sleek motorcycle, or an RV for weekend adventures, locking in one of these competitive credit union rates could save you hundreds over your loan term.
Used - Vehicle Loans
| Lender | Product | 2026-07-29 Current | 2026-07-22 7 Days Ago | 2026-07-14 15 Days Ago | 2026-06-29 30 Days Ago | 2026-06-14 45 Days Ago | 2026-05-30 60 Days Ago | 2026-04-30 90 Days Ago | 2026-01-30 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 2.99 - 4.50% | 3.50 - 4.00% | 4.20 - 4.40% | 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% | 3.50 - 6.75% | 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% | 3.75 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 3.50 - 5.25% | 4.00% |
| NECHES FEDERAL CREDIT UNION | Motorcycle | 3.75 - 4.75% | 3.75 - 4.75% | 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 | 5.55 - 5.65% | N/A |
| TOWER FEDERAL CREDIT UNION | Other | 6.24 - 8.75% | N/A | N/A | 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 |
| 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% | 7.49% | 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
Used vehicle loan rates at UNITED remain steady this week, with Auto loans holding between 2.99% and 5.00% APR, unchanged from last week but improved from 5.50% a month ago. Motorcycle loans stay stable at 4.75% to 6.00% APR, showing no recent change. Recreational vehicle loans maintain their range of 6.25% to 6.75% APR consistently over the past month. For members seeking affordability, used Auto loans offer the lowest rates currently available. Consider longer terms for lower monthly payments if budget flexibility is a priority. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady at 3.24% to 5.69% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This stability benefits borrowers seeking predictable payment terms without rate fluctuations. For those prioritizing manageable monthly payments, exploring longer-term loan options could provide additional financial flexibility. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
ORION FEDERAL CREDIT UNION
As of July 29, 2026, ORION’s Used Auto Loan rate remains steady at 3.45% APR, unchanged over the past 30 days. This consistent rate provides members with a reliable and affordable financing option for used vehicles. For those seeking predictable monthly payments without rate fluctuations, this product offers clear value. Consider exploring longer-term loans if you want to lower your monthly payment further while maintaining a stable interest 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 improved, dropping from 3.99% to 3.49% APR over the past 30 days, offering members the most affordable option. Motorcycle and Other used vehicle loans remained steady at 6.74% and 7.49% APR, respectively. Members seeking cost-effective financing should consider the used auto loan for lower rates. Reviewing longer-term options may help manage monthly payments effectively. For more details, visit https://www.fcfcu.com/rates/auto-rates.
SHELL FEDERAL CREDIT UNION
As of July 29, 2026, used auto loan rates at SHELL remain steady between 3.49% and 18.00% APR, showing no change over the past 30 days. This stable range offers members consistent access to affordable financing options for used vehicles. Consider longer-term loans if you want to lower your monthly payments while maintaining a competitive rate. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
FIVEPOINT CREDIT UNION
Used vehicle loan rates at FIVEPOINT remain steady this month, with Auto loans holding at 3.50% to 16.25% APR and Recreational loans steady between 3.50% and 16.75% APR over the past 30 days. The consistent low-end rates highlight affordable financing options for members seeking used vehicles. For better budgeting, consider longer-term loans to lower monthly payments, especially if aiming for the lower APR range. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
TOWER FEDERAL CREDIT UNION
Used vehicle loan rates at TOWER remain stable this week, with Auto loans holding steady between 3.74% and 6.24% APR, offering the most affordable financing option for members. Motorcycle loans range from 6.49% to 6.99% APR, unchanged over the past month. New this period, the Other loan category is available at 6.24% to 8.75% APR, providing additional flexibility. Recreational loans continue at 6.74% to 12.50% APR with no rate changes. For members seeking cost-effective financing, consider used Auto loans for lower rates and review loan terms to balance monthly payments with total interest paid. For more details, visit https://www.towerfcu.org/rates/loan-rates,
COMMUNITY RESOURCE CREDIT UNION
As of July 29, 2026, COMMUNITY RESOURCE's used auto loan rates remain stable at 3.74% to 5.54%, unchanged over the past 15 days but slightly higher than 30 days ago. Motorcycle and recreational loan rates hold steady at 7.74% to 8.29% and 7.74% to 9.79%, respectively, with no recent changes. For members seeking affordability, the used auto loans offer the lowest APR range. Consider longer-term financing options to manage monthly payments effectively 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 this week, with the Used Auto loan APR steady at 3.75% and the Recreational vehicle loan APR unchanged at 7.00% over the past 30 days. The Used Auto loan offers the most affordable financing option for members seeking reliable rates. For those considering recreational purchases, rates have held firm, reflecting consistent market conditions. Members looking for lower monthly payments should consider longer-term loans within these programs. For more details, visit https://www.mymax.com/save/personal-financial-rates,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain steady this week. The Used Auto Loan APR holds at 3.75 - 5.25%, unchanged over the past 15 days but slightly higher on the low end compared to 30 days ago. Motorcycle loans maintain a competitive range of 3.75 - 4.75%, consistent for the past week. The Recreational vehicle loan rate stays at 3.50 - 6.75%, offering the lowest starting APR among used vehicles. Members seeking affordability should consider Recreational loans for the lowest entry rates or explore longer terms for manageable payments. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
LendMesh
Need a loan for your next vehicle that won’t derail your financial goals? LendMesh gives you clear choices from lenders who value fairness and transparency. See the full picture at https://www.lendmesh.com/loans/vehicle_loans and borrow on your terms.
Conclusion
Looking ahead, consider locking in a low APR sooner rather than later, especially if your credit score is solid, since many rates have held steady but could shift with market changes. If you already have a vehicle loan with higher interest, exploring refinancing through credit unions like UNITED or NECHES might lower your monthly payments and total interest paid. For families planning their next big purchase or motorcycle enthusiasts upgrading rides, don’t overlook recreational loans; some credit unions like FIVEPOINT offer flexible ranges that could fit diverse budgets. Keep an eye on smaller fluctuations, like FINANCIAL CENTER FIRST’s recent auto rate uptick, which signal the value of timing your application well. Above all, start by gathering pre-approvals from multiple credit unions to leverage the best terms possible. Smart shopping combined with these competitive rates can make your next vehicle purchase both affordable and satisfying.