Introduction
As of August 12, 2026, savvy vehicle buyers have plenty of reasons to smile. The lowest auto loan rate stands strong at an impressive 2.99% APR with UNITED Credit Union, making it a prime choice for anyone looking to finance a car affordably. Motorcycle enthusiasts can also find competitive rates starting at 3.75% APR through NECHES Credit Union, offering an excellent chance to ride away with savings. Recreational vehicle loans remain steady, with UNITED again leading at 6.25% APR for those dreaming of their next adventure on wheels. Notably, rates across most credit unions have held steady over the past month, though NECHES saw a slight improvement in recreational loan minimums by 25 basis points from 3.75% to 3.50% two weeks ago, great news for RV buyers hunting for better deals. On the flip side, some lenders like SHELL and FIVEPOINT continue offering a broad range that stretches into higher APR territory, so it pays to shop carefully. If you’re gearing up to buy or refinance your ride, now is a smart time to lock in these competitive rates and save significantly on interest costs.
Used - Vehicle Loans
| Lender | Product | 2026-08-12 Current | 2026-08-05 7 Days Ago | 2026-07-28 15 Days Ago | 2026-07-13 30 Days Ago | 2026-06-28 45 Days Ago | 2026-06-13 60 Days Ago | 2026-05-14 90 Days Ago | 2026-02-13 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.40% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 4.50% | 3.50 - 4.00% | 4.95 - 5.15% |
| 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 - 5.69% |
| 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% | 3.50 - 16.75% | 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% | 3.74 - 6.24% | N/A | N/A | N/A |
| 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 - 5.00% | 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% |
| NECHES FEDERAL CREDIT UNION | Motorcycle | 3.75 - 4.75% | 3.75 - 4.75% | 3.75 - 4.75% | N/A | N/A | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75%▲ 25 bps | 3.50 - 6.75% | 3.50 - 6.75% | N/A | N/A | N/A | N/A | N/A |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Auto | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 3.84 - 4.59% | 4.24 - 4.99% |
| NAVY FEDERAL CREDIT UNION | Auto | 3.89 - 7.39% | 3.89 - 7.39% | 3.89 - 7.39% | 4.29 - 7.39% | 4.79 - 6.98% | 4.79 - 5.39% | 4.79 - 5.39% | 4.79 - 5.39% |
| TROPICAL FINANCIAL CREDIT UNION | Auto | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.99 - 5.44% | 3.99 - 6.34% | 3.99 - 6.34% | 3.99 - 6.54% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 5.25 - 6.50% | 4.75 - 6.00% | 4.75 - 6.00% | 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% | 5.59 - 6.34% | N/A | N/A | N/A |
| TROPICAL FINANCIAL CREDIT UNION | Recreational | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 5.69 - 8.24% | 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 |
| TOWER FEDERAL CREDIT UNION | Motorcycle | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 6.49 - 6.99% | 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% | 6.74 - 12.50% | 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% |
| NAVY FEDERAL CREDIT UNION | Motorcycle | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | 7.45 - 10.05% | N/A | 10.05% | 7.45 - 10.05% | 7.45 - 10.05% |
| NAVY FEDERAL CREDIT UNION | Recreational | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.80% | 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 stable this week. Used Auto loans hold steady between 2.99% and 4.95% APR, offering the most affordable financing option for members. Motorcycle loan rates improved, dropping from 5.25-6.50% to 4.70-5.95% APR over 15 days, providing better value for riders. Recreational vehicle rates are unchanged at 6.25-6.75% APR. Members seeking lower monthly payments should consider longer-term auto loans to maximize savings on interest. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of August 12, 2026, TYNDALL’s Used Auto Loan rates remain steady at 3.24% to 5.69% APR, showing no changes over the past 30 days. This consistency provides members with reliable financing options for used vehicles. For those seeking affordable loans, the current rates offer a clear advantage without recent fluctuations. Members might consider longer-term loan options to balance monthly payments while maintaining competitive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of August 12, 2026, SHELL’s Used Auto Loan APR remains steady at 3.49% to 18.00%, showing no change over the past 30 days. This stable rate range provides members with consistent access to affordable financing options for used vehicles. For those prioritizing lower monthly payments, consider exploring longer-term loan durations within this competitive APR spectrum. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
Used vehicle loan rates at FIVEPOINT remain stable this week, with Auto loans holding steady between 3.50% and 16.25% APR, and Recreational loans ranging from 3.50% to 16.75% APR over the past 30 days. The consistent rates offer predictable financing options for members seeking affordability. For those prioritizing lower monthly payments, exploring longer-term loan durations may provide additional savings. Monitoring these stable APRs can help members make informed decisions when financing used vehicles. 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, the most affordable option for members. Motorcycle loans range from 6.49% to 6.99% APR, while Recreational loans span 6.74% to 12.50% APR, showing no change over the past 30 days. Members seeking lower monthly payments should consider longer-term used auto loans for better budgeting flexibility. For more details, visit https://www.towerfcu.org/rates/loan-rates,
MAX CREDIT UNION
As of August 12, 2026, used auto loan rates remain steady at 3.75% APR, showing no change over the past 30 days. The used recreational vehicle loan rate also holds firm at 7.00% APR with no recent fluctuations. For members seeking affordability, the used auto loan offers the lowest rate among available options. Consider checking different loan terms if you want to manage monthly payments more effectively. For more details, visit https://www.mymax.com/save/personal-financial-rates,
NECHES FEDERAL CREDIT UNION
As of August 12, 2026, NECHES used auto loan rates remain stable, holding steady at 3.75 - 5.00% APR, down slightly from 5.25% thirty days ago. The motorcycle loan rates are unchanged at 3.75 - 4.75% APR, maintaining consistent affordability. Notably, the recreational vehicle loans saw a slight increase on the low end, rising from 3.50% to 3.75% APR over the past week, with the high end steady at 6.75%. For members seeking affordable financing, used auto loans offer the most consistent low rates. Consider your term length carefully to balance monthly payments and interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 12, 2026, used vehicle loan rates at AMERICAN AIRLINES Credit Union remain steady, with Auto loans holding between 3.84% and 4.59% APR and Recreational loans stable at 5.59% to 6.34% APR over the past 30 days. These consistent rates provide members reliable options for affordable financing. For those seeking lower monthly payments, exploring longer-term loan durations may offer additional savings. Used Auto loans represent the most cost-effective choice currently available. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
NAVY FEDERAL CREDIT UNION
As of August 12, 2026, Navy Federal Credit Union’s used vehicle loan rates remain steady compared to the past month. The used auto loan APR holds at 3.89% to 7.39%, unchanged from a week ago but down from 4.29% thirty days prior, offering members more affordable financing options. Motorcycle and recreational vehicle loans maintain consistent ranges between 7.45% and approximately 10% with no recent fluctuations. For members seeking the lowest cost, the used auto loan rates present the best value. Consider exploring longer terms if aiming for manageable monthly payments. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
TROPICAL FINANCIAL CREDIT UNION
As of August 12, 2026, used vehicle loan rates at TROPICAL FINANCIAL remain stable, with Auto loans holding steady between 3.89% and 6.24% APR over the past 30 days. Similarly, Recreational vehicle loans maintain a consistent range from 5.69% to 8.24% APR. Members seeking the most affordable financing should consider used Auto loans for lower rates. For those preferring flexibility in payments, exploring longer-term options within these products may help manage monthly costs effectively.
For more details, visit https://www.tropicalfcu.com/credit-union-auto-loan/new-auto-loan.
LendMesh
Refinancing your vehicle loan could save you hundreds—or even thousands—over the life of your loan. LendMesh makes it easy to compare refinance offers from trusted credit unions and banks. If you’re looking for lower payments or better terms, visit https://www.lendmesh.com/loans/vehicle_loans today.
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Conclusion
Looking ahead, whether you’re buying your first car, upgrading your motorcycle, or investing in an RV, taking action now could maximize your savings thanks to today’s attractive credit union loan rates. For current owners, exploring refinancing options, especially if you secured a loan at higher rates last year, could lower monthly payments and free up cash flow. Keep an eye on credit union specials that offer the lowest APRs like UNITED and NECHES; they often provide flexible terms tailored to different borrower needs. Also consider pre-approval before visiting dealerships, it strengthens your negotiating power and helps you avoid last-minute rate surprises. Finally, stay informed about small rate fluctuations since even a few basis points can add up over the life of your loan. By approaching financing with patience and knowledge, you’ll drive away confident that you’ve secured the best deal possible for your next vehicle purchase or refinance journey.