Introduction
As of August 21, 2026, savvy vehicle buyers can take advantage of some standout financing offers at credit unions nationwide. The lowest auto loan APR remains a competitive 2.99% at both UNITED and POLISH & SLAVIC Credit Unions, making it an excellent time to lock in affordable financing for your next car purchase. Motorcycle enthusiasts will find attractive rates starting at 4.00% with DADE COUNTY, while those eyeing recreational vehicles should note UNITED’s steady range beginning at 6.25%. Over the past month, most rates have held firm, but BAXTER Auto loans showed a slight improvement at the low end, dropping from 3.64% to 3.39%, saving borrowers valuable interest costs over time. If you’re hunting for the best deal, consider credit unions like AMERICAN AIRLINES offering auto loans as low as 3.34% or explore DADE COUNTY’s diverse options across multiple vehicle types. With rates stable and some subtle shifts favoring borrowers, now is a smart moment to review your financing options and potentially save on your next vehicle purchase.
New - Vehicle Loans
| Lender | Product | 2026-08-21 Current | 2026-08-14 7 Days Ago | 2026-08-06 15 Days Ago | 2026-07-22 30 Days Ago | 2026-07-07 45 Days Ago | 2026-06-22 60 Days Ago | 2026-05-23 90 Days Ago | 2026-02-22 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.70% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 3.50 - 5.00% | 5.20 - 6.30% |
| 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% |
| 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% |
| BAXTER CREDIT UNION | Auto | 3.39 - 5.14% | 3.39 - 5.14% | 3.39 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.24 - 5.39% | 3.49 - 6.29% |
| 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% | 4.19 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% |
| 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% | 3.49 - 6.69% |
| 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% | 3.74 - 6.24% | 3.74 - 6.24% |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 3.74 - 6.74% | N/A | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 5.74% | 3.74 - 5.74% |
| 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% | 4.00 - 5.00% | N/A | N/A |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95%▲ 25 bps | 4.45 - 5.70% | 4.70 - 5.95% | 4.75 - 6.00% | 4.75 - 6.00% | 4.75 - 6.00% | 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% | 4.75 - 8.00% | 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% | 5.59 - 6.34% | 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 |
| 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 |
| INDIANA MEMBERS CREDIT UNION | Recreational | 6.99 - 8.74% | 6.99 - 8.74% | N/A | 6.99 - 8.74% | N/A | N/A | N/A | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | N/A | 8.24% | N/A | 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 21, 2026, UNITED's new auto loan rates remain steady at a low 2.99% to 4.95% APR, unchanged from 15 days ago but slightly higher than the 4.70% low seen a week prior. Motorcycle loan rates increased modestly, now ranging from 4.70% to 5.95% APR, up about 25 basis points over the past week. Recreational loans hold firm at 6.25% to 6.75% APR with no changes in the last month. For members seeking affordability, new auto loans offer the most competitive rates today. Consider longer terms for manageable monthly payments. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of August 21, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 2.99% and 5.99% APR, showing no change over the past 30 days. This stable pricing offers consistent affordability for members financing new vehicles. For those prioritizing predictable payments, exploring longer-term loan options may help manage monthly budgets effectively. Members seeking competitive rates can benefit from this unchanged rate environment. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
As of August 21, 2026, TYNDALL’s new auto loan rates remain steady at 3.24% to 5.69% APR, unchanged over the past 30 days. This consistent pricing provides a clear opportunity for members seeking predictable financing costs on new vehicles. For those aiming to lower monthly payments, consider exploring longer-term loan options within this rate range. The stable rates reflect TYNDALL’s commitment to affordable vehicle financing without sudden fluctuations. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 21, 2026, new auto loan rates at AMERICAN AIRLINES remain steady between 3.34% and 4.09% APR, showing no change over the past 30 days. Similarly, new recreational vehicle loans hold firm at 5.59% to 6.34% APR. Members seeking the most affordable financing should consider new auto loans, which continue to offer competitive rates without recent increases. For those prioritizing manageable monthly payments, exploring longer-term options may provide added flexibility. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
BAXTER CREDIT UNION
As of August 21, 2026, BAXTER’s new auto loan rates remain stable, holding steady at 3.39% to 5.14% APR, unchanged from the past 15 days and down slightly from 3.64% thirty days ago. This stability offers members consistent affordability on new vehicle financing. The recreational loan rates are also unchanged at 5.44% to 6.44% APR over the past month. For those seeking predictable payments, consider locking in current auto loan rates while they remain low and stable. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
PENTAGON FEDERAL CREDIT UNION
As of August 21, 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 rate range offers members predictable financing for new vehicles. For those seeking affordability, the lower end at 3.39% APR represents the most cost-effective option currently available. Consider evaluating different loan terms to balance monthly payments and total interest paid effectively. For more details, visit https://www.penfed.org/auto#navRates.
DADE COUNTY FEDERAL CREDIT UNION
As of August 21, 2026, new vehicle loan rates at DADE COUNTY remain stable with no changes in 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 interested in motorcycles or recreational vehicles, rates hold steady between 4.00% to 5.75% APR. The highest rates apply to other vehicle types, at 6.75% to 8.00% APR. Members seeking lower monthly payments should consider longer-term loans within these rate ranges for better budgeting flexibility. For more details, visit https://www.dcfcu.org/loan-rates.
SHELL FEDERAL CREDIT UNION
As of August 21, 2026, SHELL’s new auto loan rates remain steady, holding at 3.49% to 18.00% APR with no changes over the past 30 days. This consistency benefits members seeking predictable financing costs. The lowest rate of 3.49% APR offers an affordable option for those prioritizing cost-efficiency. Consider longer-term loans to manage monthly payments effectively while maintaining competitive rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
TOWER FEDERAL CREDIT UNION
As of August 21, 2026, TOWER’s new vehicle loan rates remain stable with no changes over the past 30 days. The Auto loans offer the most affordable rates, ranging from 3.74% to 6.24% APR, providing cost-effective financing for members purchasing new vehicles. Motorcycle loans hold steady between 6.49% and 6.99% APR, while Recreational loans range from 6.74% to 12.50% APR. Members seeking lower monthly payments should consider longer-term options within these programs to optimize affordability. For more details, visit https://www.towerfcu.org/rates/loan-rates,
INDIANA MEMBERS CREDIT UNION
For Indiana Members, new auto loan rates remain steady at 3.74% to 6.74%, unchanged over the past week but up slightly from 3.74% to 6.24% thirty days ago. Motorcycle loans hold firm at 8.24%, showing no change this month. Recreational vehicle rates stay consistent between 6.99% and 8.74% for all periods reviewed. The most affordable option continues to be the new auto loan with rates starting at 3.74%; consider longer-term loans to lower monthly payments if budget flexibility is needed. For more details, visit https://www.imcu.com/lending-rates,
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Conclusion
Looking ahead, now is an ideal time to consider refinancing your current vehicle loan if your rate exceeds today’s competitive offers, especially those above 4%, to reduce monthly payments or shorten your loan term. For first-time buyers or families upgrading their ride, locking in a rate near 3% at credit unions like UNITED or POLISH & SLAVIC could yield significant savings over the life of the loan. Motorcycle and recreational vehicle buyers should keep an eye on credit unions like DADE COUNTY and TOWER for specialized programs that might fit unique needs without compromising affordability. Remember, small changes in APR can add up substantially, so staying informed about weekly shifts, even just a few basis points, can pay off big time. Ultimately, staying flexible and shopping around among credit unions with transparent pricing will put you in the driver’s seat for the best financial outcome on your next vehicle purchase or refinance.