Introduction
As of July 31, 2026, savvy vehicle buyers can take advantage of some of the lowest auto loan rates available at credit unions nationwide. The standout deal comes from POLISH & SLAVIC and UNITED Credit Unions, both offering an unbeatable 2.99% APR on auto loans, a fantastic opportunity if you’re shopping for a new or used car. Motorcycle enthusiasts will find attractive rates too, with UNITED’s motorcycle loans starting as low as 4.75% APR, while families looking for recreational vehicles can consider DADE COUNTY Credit Union’s competitive 4.75% to 5.75% APR range. Notably, rates have remained remarkably stable over the past month, showing no significant increases or decreases across most programs. This consistency means buyers don’t need to rush but should still act wisely to lock in these favorable terms before any shifts occur. For those seeking flexibility, credit unions like AMERICAN AIRLINES and TYNDALL offer solid mid-range options with auto loan rates hovering just above 3%. Whether you’re financing a car, motorcycle, or RV, now is a smart time to explore your credit union options and save on your next vehicle purchase.
New - Vehicle Loans
| Lender | Product | 2026-07-31 Current | 2026-07-24 7 Days Ago | 2026-07-16 15 Days Ago | 2026-07-01 30 Days Ago | 2026-06-16 45 Days Ago | 2026-06-01 60 Days Ago | 2026-05-02 90 Days Ago | 2026-02-01 180 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% | 2.99 - 5.50% | 2.99 - 5.50% | 4.20 - 5.30% | 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% | 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% |
| 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% | 3.49% | 3.99% | 3.99% | 3.99% | 5.49% |
| 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% |
| 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% | 4.00 - 5.00% | 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 - 6.55% | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Recreational | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 8.00% | 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 |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | 6.25% | 6.25% | 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% | 6.75 - 8.00% | 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.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of July 31, 2026, POLISH & SLAVIC’s new vehicle loan rates remain stable with no changes over the past 30 days. The Auto loan APR ranges from 2.99% to 5.99%, offering the most affordable financing option for members. Motorcycle loans hold steady at 7.00%, while Recreational vehicle loans are fixed at 6.25%. Members seeking lower monthly payments should consider longer-term options within the Auto loan range for flexibility and cost savings. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of July 31, 2026, UNITED’s new vehicle loan rates remain stable with no changes over the past week. The Auto loan APR holds steady between 2.99% and 5.00%, improving slightly from 5.50% thirty days ago, offering the most affordable financing option for members. Motorcycle rates stay at 4.75% to 6.00%, and Recreational loans maintain a range of 6.25% to 6.75% without fluctuation in the last month. For lower monthly payments, consider longer-term Auto loans with competitive APRs. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of July 31, 2026, TYNDALL’s new auto loan rates remain steady, holding firm between 3.24% and 5.69% APR over the past 30 days. This consistent pricing offers members reliable access to affordable financing without recent rate increases. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility. Maintaining stable rates supports budgeting confidence when purchasing a new vehicle. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of July 31, 2026, AMERICAN AIRLINES new vehicle loan rates remain stable, with Auto loans at 3.34% to 4.09% APR and Recreational loans at 5.59% to 6.34% APR, unchanged over the past 30 days. The consistent rates provide reliable financing options for members seeking affordability. For those prioritizing lower monthly payments, exploring longer-term Auto loan terms could be beneficial. Members looking for competitive financing on new vehicles will find value in these steady rates. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of July 31, 2026, PENTAGON's new auto loan rates remain steady at 3.39% to 5.74% APR, showing no changes over the past 30 days. This consistency offers members predictable financing costs for new vehicle purchases. For those seeking affordability, the lowest rate of 3.39% APR represents strong value in today’s market. Consider longer-term loans if you want to lower monthly payments while securing these stable rates. For more details, visit https://www.penfed.org/auto#navRates,
ORION FEDERAL CREDIT UNION
As of July 31, 2026, ORION’s new auto loan APR remains steady at 3.45%, showing no change over the past 30 days. This stable rate provides members with consistent affordability for financing new vehicles. For those seeking predictable monthly payments and long-term budgeting ease, exploring ORION’s fixed-rate options can be beneficial. The unchanged rate reflects a low-cost opportunity for members to finance new autos without concern for immediate rate increases. For more details, visit https://orionfcu.com/personal-banking/loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of July 31, 2026, SHELL’s new auto loan rates remain steady, ranging from 3.49% to 18.00% APR, with no changes over the past 30 days. This stable rate environment offers members predictable financing for new vehicles. For those seeking affordability, the lowest rate of 3.49% APR represents a strong option for new auto loans. Consider longer-term loans to potentially lower your monthly payments while locking in these consistent rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FINANCIAL CENTER FIRST CREDIT UNION
As of July 31, 2026, FINANCIAL CENTER FIRST's new vehicle loan rates remain steady with no changes over the past 30 days. The new auto loan APR holds at 3.49%, offering the most affordable financing option for members. Motorcycle and Other vehicle loans maintain higher rates at 6.74% and 7.49%, respectively. For members seeking manageable monthly payments, exploring longer-term new auto loan options may provide additional flexibility. For more details, visit https://www.fcfcu.com/rates/auto-rates.
DADE COUNTY FEDERAL CREDIT UNION
As of July 31, 2026, new vehicle loan rates at DADE COUNTY remain steady across all categories compared to the past 30 days. The most affordable option continues to be the New Auto Loan with rates from 3.49% to 6.69% APR. Motorcycle loans offer competitive rates between 4.00% and 5.00%, while Recreational and Other vehicle loans range higher, starting at 4.75% and 6.75% APR, respectively. Members seeking lower monthly payments should consider longer-term loans within these programs for better budgeting flexibility. For more details, visit https://www.dcfcu.org/loan-rates.
FIVEPOINT CREDIT UNION
As of July 31, 2026, FIVEPOINT’s new vehicle loan rates remain stable with no changes in the past 30 days. The Auto loans offer competitive APRs ranging from 3.50% to 16.25%, while Recreational vehicle loans range from 3.50% to 16.75%. Members seeking affordable financing should consider the lower end of these ranges for cost-effective borrowing. For those prioritizing manageable monthly payments, exploring longer-term options may provide additional savings. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
LendMesh
You’ve got places to be—and LendMesh can help you get there. Our vehicle loan platform connects you to credit unions and banks offering real deals, real support, and real-time comparisons. Start your journey at https://www.lendmesh.com/loans/vehicle_loans and drive your future forward.
Customers Also Interested In
Conclusion
Looking ahead, consider locking in these low APRs now if you’re planning to buy or refinance your vehicle soon, waiting could mean missing out if market conditions change. For current owners with higher-rate loans, refinancing through credit unions like POLISH & SLAVIC or UNITED could lower monthly payments significantly without compromising service quality. If you’re eyeing recreational vehicles or motorcycles, keep an eye on DADE COUNTY’s stable rates that balance affordability with flexibility. Also, keep your credit score in check to qualify for the best deals and talk directly with your credit union about pre-approval options before visiting dealerships. By staying informed and proactive, you’ll maximize savings and drive away with confidence on the best possible terms. Remember, the smartest move is often timing combined with thorough research, so start comparing today!