Introduction
As of August 19, 2026, savvy vehicle shoppers have plenty to smile about when it comes to credit union loan rates. The lowest APR for auto loans is an attractive 2.99% at UNITED Credit Union, offering one of the best deals on the market right now. Motorcycle enthusiasts will find competitive rates starting at 3.75% with NECHES Credit Union, while recreational vehicle buyers can score as low as 3.75% also at NECHES, a standout in this category. Most rates remain steady from last week and last month, but it’s worth noting that NAVY FEDERAL’s auto loan minimum rate increased by 40 basis points over 30 days, signaling a slight shift for some borrowers. For families and riders ready to finance their next ride or adventure machine, these stable and low rates present a smart opportunity to lock in affordable financing today and save big over the life of the loan.
Used - Vehicle Loans
| Lender | Product | 2026-08-19 Current | 2026-08-12 7 Days Ago | 2026-08-04 15 Days Ago | 2026-07-20 30 Days Ago | 2026-07-05 45 Days Ago | 2026-06-20 60 Days Ago | 2026-05-21 90 Days Ago | 2026-02-20 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 4.00 - 4.50% | 5.20 - 5.40% |
| 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% |
| 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% | 3.74 - 6.24% | 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 - 5.00% | 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% | 3.75 - 4.75% | N/A | 3.50 - 4.50% | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75% | 3.75 - 6.75% | 3.50 - 6.75% | 3.50 - 6.75% | N/A | 3.50 - 6.50% | 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% |
| TROPICAL FINANCIAL CREDIT UNION | Auto | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.89 - 6.24% | 3.99 - 6.34% | 3.99 - 5.44% | 3.99 - 6.34% | 3.99 - 6.54% |
| SANDIA AREA FEDERAL CREDIT UNION | Auto | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.99 - 5.89% |
| NAVY FEDERAL CREDIT UNION | Auto | 3.89 - 7.39% | 3.89 - 7.39% | 3.89 - 7.39% | 4.29 - 7.39% | 3.89 - 7.39% | 4.79 - 6.98% | 4.79 - 5.39% | 4.79 - 5.39% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 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% | 5.59 - 6.34% | 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% | 5.69 - 8.24% | 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% | 6.25 - 6.75% | 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% | 6.49 - 6.99% | 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% | 6.74 - 12.50% | 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% | 7.45 - 10.05% | N/A | 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 - 9.90% | 7.45 - 9.80% | 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 4.95% APR, unchanged over the past 30 days. Motorcycle loans also show stability at 4.70% to 5.95% APR, maintaining last month’s levels. Meanwhile, Recreational vehicle rates stay consistent from 6.25% to 6.75% APR. The most affordable option continues to be used auto loans, offering members competitive rates for reliable financing. Consider longer-term loans for manageable monthly payments if your budget requires flexibility. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of August 19, 2026, TYNDALL’s used auto loan rates remain steady, ranging from 3.24% to 5.69% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of the range at 3.24% APR represents competitive borrowing costs. Consider your loan term carefully to balance monthly payments and total interest paid. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of August 19, 2026, SHELL's used auto loan rates remain steady, holding at 3.49% to 18.00% APR over the past 30 days with no changes observed. This consistent rate range offers members predictable financing costs for used vehicles. For borrowers seeking affordability, the lower end at 3.49% APR represents the most cost-effective option available today. Consider longer-term loans to manage monthly payments within your budget while taking advantage of these stable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
TOWER FEDERAL CREDIT UNION
As of August 19, 2026, used vehicle loan rates at TOWER remain steady with no changes over the past 30 days. Used Auto loans continue to offer the most affordable rates, ranging from 3.74% to 6.24% APR, providing strong value for members seeking cost-effective financing. Motorcycle loans hold firm between 6.49% and 6.99% APR, while Recreational loans range from 6.74% to 12.50% APR. Members looking to manage monthly payments might consider longer-term options within these stable rate ranges. For more details, visit https://www.towerfcu.org/rates/loan-rates.
MAX CREDIT UNION
Used vehicle loan rates at MAX remain stable this week, with the Used Auto loan holding steady at 3.75% APR and the Recreational vehicle loan unchanged at 7.00% APR over the past 30 days. The Used Auto loan offers the most affordable financing option, providing consistent low rates for members. For those seeking manageable monthly payments, consider longer-term loans within these programs to optimize cash flow. Monitoring these steady rates can help you plan your vehicle purchase with confidence. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NECHES FEDERAL CREDIT UNION
As of August 19, 2026, NECHES used vehicle loan rates remain mostly stable. The Auto loan APR holds steady between 3.75% and 5.00%, unchanged from last week and down slightly from 5.25% at 15 and 30 days ago. Motorcycle loans maintain a consistent range of 3.75% to 4.75% with no recent changes. Meanwhile, Recreational loan rates increased marginally on the low end to 3.75% from 3.50% fifteen days ago, though the high end remains at 6.75%. For members seeking affordability, used auto loans offer the most competitive fixed rates currently. Consider reviewing term options for tailored monthly payments. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 19, 2026, AMERICAN AIRLINES credit union’s used vehicle loan rates remain steady with no changes over the past 30 days. The used auto loan APR holds at 3.84% to 4.59%, offering members a competitive option for affordable financing. Meanwhile, the recreational vehicle loan rates stay between 5.59% and 6.34%, consistent over the last month. For members seeking lower monthly payments, it’s advisable to explore longer-term used auto loans within this range to maximize affordability. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
TROPICAL FINANCIAL CREDIT UNION
Used vehicle loan rates at TROPICAL FINANCIAL remain steady this month. Used Auto loans hold an APR range of 3.89% to 6.24%, offering the most affordable financing option for members. Recreational vehicle loans maintain rates between 5.69% and 8.24%. With no rate changes over the past 30 days, members can plan confidently. For those prioritizing manageable payments, consider exploring longer-term used auto loans to reduce monthly costs while securing competitive rates. For more details, visit https://www.tropicalfcu.com/credit-union-auto-loan/new-auto-loan.
SANDIA AREA FEDERAL CREDIT UNION
Used auto loan rates at SANDIA AREA remain steady today, holding at 3.89% to 5.89% APR, with no changes over the past week. Compared to 15 and 30 days ago, the upper rate increased slightly from 5.69% to 5.89%, indicating a modest rise in borrowing costs for higher-tier loans. The most affordable option continues to be the lower end of the range at 3.89% APR. Members seeking manageable payments should consider longer loan terms to balance monthly expenses effectively. For more details, visit https://www.sandia.org/auto-loans,
NAVY FEDERAL CREDIT UNION
As of August 19, 2026, used auto loan rates at Navy Federal Credit Union remain steady between 3.89% and 7.39%, holding firm over the past 15 days with a slight improvement from 4.29% thirty days ago. Motorcycle and recreational vehicle loans also show consistent rates, with motorcycles ranging from 7.45% to 10.05% and recreational loans between 7.45% and 9.90%. For members seeking affordability, used auto loans offer the lowest rates across these categories. Consider exploring longer terms to reduce monthly payments while locking in these stable rates. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html,
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Conclusion
Looking ahead, if you’re planning to buy or refinance a vehicle soon, consider locking in a rate sooner rather than later before any market shifts push rates higher. Credit unions like UNITED and NECHES currently offer some of the most budget-friendly APRs, making them excellent choices for new loans. Motorcycle and recreational vehicle buyers should keep an eye on slight fluctuations but can still benefit from consistently low rates at select credit unions. If you already have a loan with a higher rate, exploring refinancing options now could reduce your monthly payments or shorten your term without stretching your budget. Staying informed about weekly and monthly rate trends will help you make confident decisions that maximize savings on your next vehicle purchase or refinance.