Introduction
As of August 14, 2026, savvy vehicle shoppers have plenty of reasons to smile with today’s competitive credit union loan rates. The lowest auto loan APR is a standout 2.99% at UNITED and POLISH & SLAVIC Credit Unions, perfect for anyone looking to finance a new or used car affordably. Motorcycle enthusiasts can take advantage of UNITED’s attractive rates starting at 4.45% APR, while families eyeing recreational vehicles will find solid offers around 4.75% to 6.75% APR depending on the credit union. Notably, UNITED’s auto loan rates have tightened slightly on the upper end by about 25 basis points over the past month, signaling a subtle but positive trend for buyers ready to act now. Watch out for some wider rate ranges at other credit unions like SHELL and FIVEPOINT, where the top APRs can be significantly higher, these may reflect more varied borrower risk profiles or loan terms. If you’re shopping for your next vehicle, focusing on those with the lowest starting APRs can save you hundreds or even thousands over the life of your loan.
New - Vehicle Loans
| Lender | Product | 2026-08-14 Current | 2026-08-07 7 Days Ago | 2026-07-30 15 Days Ago | 2026-07-15 30 Days Ago | 2026-06-30 45 Days Ago | 2026-06-15 60 Days Ago | 2026-05-16 90 Days Ago | 2026-02-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.70% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 2.99 - 5.50% | 3.50 - 5.00% | 4.95 - 6.05% |
| 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 - 6.75% | 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 - 5.69% | 3.24 - 4.69% | 3.24 - 5.69% |
| 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% | 3.34 - 4.09% | 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% | 3.39 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.24 - 5.39% | 3.49 - 6.29% |
| 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% |
| 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 - 16.75% |
| 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% | 3.74 - 4.74% | 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 | 4.45 - 5.70%▼ 25 bps | 4.70 - 5.95% | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 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 - 5.75% | 4.75 - 5.75% | 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% | 5.29 - 6.29% | 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% | 5.99 - 9.49% | N/A | 5.99 - 9.49% | 5.99 - 9.49% | 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 |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 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% | 6.75 - 8.00% | 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.
UNITED CREDIT UNION
As of August 14, 2026, UNITED’s new auto loan rates remain steady at 2.99 - 4.70% APR, showing a modest improvement from 4.95% last week. The motorcycle loan rates decreased by approximately 25 basis points to a range of 4.45 - 5.70%. Recreational vehicle rates held firm at 6.25 - 6.75%. Members seeking the lowest financing costs should consider new auto loans, which offer the most competitive APRs today. For those preferring manageable monthly payments, exploring longer-term options may provide added flexibility. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of August 14, 2026, new vehicle loan rates at POLISH & SLAVIC remain steady 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 firm at 7.00%, while Recreational loans stay consistent at 6.25%. For members seeking lower monthly payments, exploring longer-term Auto loans could provide additional savings. Maintaining stable rates supports predictable budgeting for new vehicle purchases. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
As of August 14, 2026, TYNDALL’s new auto loan rates remain stable at 3.24% to 5.69% APR, with no change over the past 30 days. This consistent pricing offers members predictable financing costs for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional affordability. Maintaining steady rates supports budgeting confidence when planning a new vehicle purchase. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 14, 2026, new vehicle loan rates at AMERICAN AIRLINES Credit Union remain steady, with Auto loans holding at 3.34% to 4.09% APR and Recreational loans unchanged at 5.59% to 6.34% APR over the past 30 days. These consistent rates provide reliable options for members seeking affordable financing. For those prioritizing lower rates, new Auto loans offer the most competitive terms. Consider evaluating longer-term loans to reduce monthly payments while maintaining these stable APRs. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of August 14, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, with no changes over the past 30 days. This stability offers members consistent access to affordable financing for new vehicles. For those prioritizing lower monthly payments, exploring longer-term loan options could provide additional savings. Staying informed about rate trends helps optimize your vehicle financing strategy. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
As of August 14, 2026, BAXTER’s new auto loan rates remain stable, holding steady at 3.39% to 5.14% APR over the past 30 days after a slight decrease from 3.64%. This range offers members competitive financing for new vehicles. The recreational vehicle loans maintain consistent rates between 5.44% and 6.44% APR, with no changes in the last month. For members seeking affordability, the new auto loan presents the best value. Consider longer-term loans to manage monthly payments effectively while benefiting from these steady rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DADE COUNTY FEDERAL CREDIT UNION
As of August 14, 2026, DADE COUNTY’s new vehicle loan rates remain stable across all categories with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 3.49% to 6.69%, providing competitive financing for members. Motorcycle loans hold steady between 4.00% and 5.00%, while Recreational and Other vehicle loans maintain higher ranges at 4.75% to 5.75% and 6.75% to 8.00%, respectively. Members seeking lower monthly payments should consider longer-term options within these fixed rates for better affordability. For more details, visit https://www.dcfcu.org/loan-rates,
SHELL FEDERAL CREDIT UNION
As of August 14, 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 stability offers members consistent access to affordable financing for new vehicles. For those seeking manageable payments, consider exploring longer-term loan options, which may help reduce monthly costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
As of August 14, 2026, FIVEPOINT’s new vehicle loan rates remain steady, with Auto loans at 3.50% to 16.25% APR and Recreational loans at 3.50% to 16.75% APR over the past 30 days. Members seeking the most affordable financing options should consider the competitive lower range of these products. For those prioritizing manageable monthly payments, exploring longer-term loan programs may provide additional flexibility. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 14, 2026, UNITED STATES SENATE credit union’s new auto loan rates remain steady at 3.74% to 4.74% APR, unchanged from a week ago but improved by about 50 basis points compared to 30 days prior. The recreational vehicle loans hold firm at 5.99% to 9.49% APR, showing no movement over the past month. Members seeking affordability should consider the consistently low new auto loan rates for better financing options. For those balancing monthly payments, exploring longer terms may provide added flexibility. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
LendMesh
Whether you’re dreaming of your first car or your tenth, LendMesh helps you get behind the wheel without overspending. Our platform lets you shop and compare vehicle loans without the usual pressure. Ready to shift gears? Visit https://www.lendmesh.com/loans/vehicle_loans today.
Conclusion
Looking ahead, consider locking in a low rate sooner rather than later, credit unions like UNITED and POLISH & SLAVIC are offering consistently strong deals that could make refinancing or buying new a smart move this season. If you currently carry higher-rate loans, especially from institutions with broader APR ranges, exploring refinancing options could lower your monthly payments substantially. For motorcycle buyers and RV seekers, keep an eye on small shifts in rates that could open up better financing windows in the coming weeks. Lastly, don’t overlook credit unions with stable recreational vehicle rates; they may offer tailored lending programs that suit your lifestyle needs better than general auto loans. Staying informed and acting decisively is key, check current rates regularly and connect with your credit union to secure the best financing possible for your next ride or family adventure.