Introduction
As of August 7, 2026, savvy vehicle buyers have some standout financing opportunities to explore. The lowest auto loan APR remains an attractive 2.99% at both Polish & Slavic and United Credit Unions, offering a fantastic starting point for anyone shopping for a new or used car. Motorcycle enthusiasts will find competitive rates too, with United Credit Union’s range between 4.70% and 5.95%, and Dade County’s steady 4.00% to 5.00%. Recreational vehicle loans also hold steady, with rates as low as 4.75% at Dade County Credit Union. Notably, most credit unions have maintained their rates without significant changes over the past month, meaning stability for borrowers looking to lock in financing now rather than wait. For families and individuals aiming to save on their next vehicle purchase, focusing on credit unions like Polish & Slavic or United could translate into meaningful interest savings over the life of the loan.
New - Vehicle Loans
| Lender | Product | 2026-08-07 Current | 2026-07-31 7 Days Ago | 2026-07-23 15 Days Ago | 2026-07-08 30 Days Ago | 2026-06-23 45 Days Ago | 2026-06-08 60 Days Ago | 2026-05-09 90 Days Ago | 2026-02-08 180 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 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 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 - 5.69% | 3.24 - 4.69% | 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% |
| BAXTER CREDIT UNION | Auto | 3.39 - 5.14%▼ 25 bps | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.64% | 3.24 - 5.39% | 3.99 - 6.29% |
| 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% | 3.50 - 16.75% | N/A | N/A | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Auto | 3.74 - 4.74% | N/A | N/A | 4.24 - 5.24% | 4.24 - 5.24% | 4.24 - 5.24% | 4.24 - 5.24% | 4.24 - 5.24% |
| 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 | 4.70 - 5.95%▼ 5 bps | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 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 |
| BAXTER CREDIT UNION | Recreational | 5.44 - 6.44% | 5.44 - 6.44% | 5.44 - 6.44% | 5.44 - 6.44% | 5.44 - 6.44% | 5.44 - 6.44% | 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% | 5.59 - 6.34% | N/A | N/A | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Recreational | 5.99 - 9.49% | N/A | N/A | 5.99 - 9.49% | 5.99 - 9.49% | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 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% | 6.25 - 6.75% | 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% | 7.00% | 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.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of August 7, 2026, new vehicle loan rates at POLISH & SLAVIC remain stable, with Auto loans ranging from 2.99% to 5.99% APR, unchanged over the past 30 days. The Motorcycle loan rate holds steady at 7.00% APR, while Recreational loans maintain a consistent 6.25% APR. Members seeking affordable financing should note that the lowest auto loan rates offer competitive savings for new vehicle purchases. For those prioritizing manageable monthly payments, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of August 7, 2026, UNITED’s new vehicle loan rates remain steady. The Auto loan APR holds at 2.99% to 4.95%, slightly improved from 5.00% a week ago, offering members the most affordable financing option. Motorcycle rates decreased marginally to 4.70% - 5.95%, while Recreational loans remain unchanged at 6.25% - 6.75%. For cost-conscious borrowers, the new Auto loan provides the best value. Consider longer-term loans for lower monthly payments and manageable budgeting. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of August 7, 2026, TYNDALL's new auto loan rates remain steady at 3.24% to 5.69% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of this spectrum provides competitive financing options. Consider longer-term loans if you prefer to manage monthly payments more comfortably while maintaining these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 7, 2026, AMERICAN AIRLINES credit union maintains steady rates on new vehicle loans with no changes in the past 30 days. New auto loans hold a competitive APR range of 3.34% to 4.09%, offering the most affordable financing option for members. Meanwhile, new recreational vehicle loans remain at 5.59% to 6.34% APR. Members seeking cost-effective monthly payments should consider longer-term options within these ranges. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of August 7, 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 predictable financing for new vehicles. For those seeking affordable options, the lowest rate of 3.39% APR presents strong value. Consider evaluating different loan terms to balance monthly payments and total interest paid. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
As of August 7, 2026, BAXTER's new auto loan rates improved, with APRs decreasing from 3.64-5.14% to 3.39-5.14% over the past week, offering members more affordable financing options for new vehicles. The recreational loan rates remain steady at 5.44-6.44%, providing consistent terms for specialty vehicle purchases. Members seeking lower monthly payments should consider longer-term auto loans within these competitive rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of August 7, 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 various credit profiles, with the most affordable rate at 3.49% providing competitive financing for members seeking new vehicles. For those prioritizing manageable monthly payments, consider longer-term loans within this rate range. Staying informed on these stable rates can help members plan their vehicle purchases effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
DADE COUNTY FEDERAL CREDIT UNION
As of August 7, 2026, DADE COUNTY’s new vehicle loan rates remain steady across all categories, with no changes over the past 30 days. The most affordable option continues to be the New Auto Loan, ranging from 3.49% to 6.69% APR. For members considering recreational vehicles, rates hold firm between 4.75% and 5.75% APR. If you prefer manageable monthly payments, exploring longer-term loan options could be beneficial. Consistent rates provide clarity for budgeting your next vehicle purchase. For more details, visit https://www.dcfcu.org/loan-rates.
FIVEPOINT CREDIT UNION
As of August 7, 2026, FIVEPOINT’s new vehicle loan rates remain steady, with Auto loans ranging from 3.50% to 16.25% APR and Recreational loans from 3.50% to 16.75% APR, unchanged over the past 30 days. Members seeking the most affordable financing should consider the lower APR tiers on both products. For those aiming to manage monthly payments effectively, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 7, 2026, new auto loan rates at UNITED STATES SENATE have decreased by approximately 50 basis points compared to 30 days ago, now ranging from 3.74% to 4.74% APR, offering members more affordable financing options. Meanwhile, recreational vehicle loan rates remain steady between 5.99% and 9.49% APR over the past month. Members seeking the lowest costs should consider the new auto loans, while those interested in recreational financing can expect consistent pricing. Check loan terms carefully to balance monthly payments and total interest paid. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
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Conclusion
Looking ahead, locking in one of these low APRs sooner rather than later can maximize your savings, especially if you’re considering refinancing or buying new. With rates holding steady across most credit unions this month, there’s little downside to acting now instead of waiting for potential fluctuations. If you’re eyeing motorcycles or recreational vehicles, target credit unions like Dade County for some of the best current offers. Keep an eye on your credit score and loan term options to further reduce your interest costs. Whether upgrading your family car or gearing up for summer adventures, exploring these credit union loan programs first is a smart move, offering tailored terms that often beat traditional lenders and putting more money back in your pocket over time.