Introduction
On August 26, 2026, savvy vehicle shoppers can take advantage of some standout loan rates across credit unions. The lowest APR today is an impressive 2.99% for auto loans at UNITED Credit Union, offering a fantastic opportunity for anyone looking to finance a car purchase. Motorcycle enthusiasts will find competitive rates too, with UNITED’s motorcycle loans starting as low as 4.70%. Notably, UNITED also maintained stable recreational vehicle rates at 6.25% to 6.75%, consistent over the past month. While most credit unions held steady, FIVEPOINT saw a slight improvement in their recreational loan ceiling, dropping from 16.75% to 15.75%, trimming risk costs by about 100 basis points compared to a week ago. If you’re exploring options beyond the lowest rates, NECHES offers motorcycle loans starting at just 3.75%, and MAX keeps things simple with a flat 3.75% auto rate. Whether you’re eyeing a family SUV, a sleek motorcycle, or a weekend RV getaway rig, today’s market offers solid choices , now’s the time to lock in those affordable rates before any shifts happen.
Used - Vehicle Loans
| Lender | Product | 2026-08-26 Current | 2026-08-19 7 Days Ago | 2026-08-11 15 Days Ago | 2026-07-27 30 Days Ago | 2026-07-12 45 Days Ago | 2026-06-27 60 Days Ago | 2026-05-28 90 Days Ago | 2026-02-27 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.40% | 2.99 - 5.00% | 2.99 - 5.00% | 3.50 - 4.00% | 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% |
| FIVEPOINT CREDIT UNION | Auto | 3.50 - 15.75% | 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 - 15.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.00% | 3.75 - 5.00% | 3.75 - 5.00% | 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 | N/A | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | 3.50 - 6.75% | N/A | 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% |
| 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 - 9.90% | 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% |
| SANDIA AREA FEDERAL CREDIT UNION | Auto | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.89% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.89 - 5.69% | 3.99 - 5.89% |
| TROPICAL FINANCIAL CREDIT UNION | Auto | 3.89 - 6.24% | 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% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 5.25 - 6.50% | 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 |
| 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 | 10.05% | 7.45 - 10.05% |
| NAVY FEDERAL CREDIT UNION | Recreational | 7.45 - 9.80% | 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 stable over the past week. Used Auto loans hold the lowest APR range at 2.99% to 4.95%, unchanged from last week and down from 5.40% a month ago, offering members affordable financing options. Motorcycle loan rates stayed steady at 4.70% to 5.95%, improving notably from last month’s higher rates. Recreational vehicle loans maintain consistent rates between 6.25% and 6.75%. For members seeking lower monthly payments, exploring longer loan terms may provide additional savings. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady at 3.24% to 5.69% APR over the past 30 days, reflecting no recent changes. This consistent rate range offers members predictable financing costs for used vehicles. For those aiming to manage monthly expenses, exploring longer-term loan options could provide more affordable payments while maintaining competitive rates. Monitoring these stable APRs can help members plan their purchases confidently. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
Used auto loan rates at SHELL remain steady at 3.49% to 18.00% APR over the past 30 days, showing no fluctuations. This stable range offers members clear expectations for financing costs. For those seeking affordability, the lower end of the rate spectrum provides a competitive option. Consider longer-term loans to potentially reduce monthly payments while managing total interest paid. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
FIVEPOINT CREDIT UNION
As of August 26, 2026, FIVEPOINT’s Used Auto and Recreational vehicle loan rates remain steady at 3.50% to 15.75% APR, reflecting a slight improvement from last month’s top rates of 16.25% and 16.75%, respectively. This modest rate reduction enhances affordability for members financing used vehicles. Consider exploring these products now for competitive financing with stable interest ranges. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable this month. The Used Auto loan APR holds steady between 3.75% and 5.00%, improving slightly from 30 days ago when the top rate was 5.25%. Motorcycle loans maintain a consistent range of 3.75% to 4.75% with no recent changes. The Recreational loan rate floor rose by 25 bps to 3.75%, while the ceiling stayed at 6.75%. For members seeking affordability, the Used Auto loan offers the lowest upper APR, ideal for managing monthly payments efficiently. Review term lengths carefully to optimize financing costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
MAX CREDIT UNION
As of August 26, 2026, MAX's used auto loan APR remains steady at 3.75%, showing no change over the past 30 days. The used recreational vehicle loan rate also holds firm at 7.00% with no fluctuations this month. The consistently low 3.75% APR on used auto loans offers members an affordable financing option. For those considering a recreational vehicle, the fixed 7.00% rate provides predictable costs. Review loan terms carefully to balance monthly payments and total interest paid. For more details, visit https://www.mymax.com/save/personal-financial-rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 26, 2026, used auto loan rates at AMERICAN AIRLINES remain steady between 3.84% and 4.59% APR, showing no change over the past 30 days. Similarly, used recreational vehicle loans hold firm at 5.59% to 6.34% APR with no recent fluctuations. For members seeking the most affordable financing, the used auto loan offers the lowest rates available today. Consider longer-term loans to reduce monthly payments while maintaining these stable rates. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
NAVY FEDERAL CREDIT UNION
As of August 26, 2026, NAVY FEDERAL CREDIT UNION’s used auto loan rates remain steady at 3.89% to 9.90% APR, with the upper range increasing slightly from 7.39% over the past 30 days. Motorcycle loan rates hold firm between 7.45% and 10.05% APR, showing no change this month. Meanwhile, recreational vehicle loans saw a modest decrease at the high end, moving from 9.90% to 9.80% APR compared to last month. For members seeking affordability, used auto loans offer the lowest starting rates. Consider longer terms to manage monthly payments effectively. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
SANDIA AREA FEDERAL CREDIT UNION
For used auto loans at SANDIA AREA, rates remain steady at 3.89% to 5.89% APR over the past week and 15 days, with a slight increase from 3.89% to 5.69% thirty days ago. This stable range offers members affordable financing options without recent rate hikes. Consider shorter-term loans if you want to lock in lower rates and reduce overall interest costs. For more details, visit https://www.sandia.org/auto-loans.
TROPICAL FINANCIAL CREDIT UNION
As of August 26, 2026, TROPICAL FINANCIAL's used vehicle loan rates remain stable with no changes over the past 30 days. Used Auto loans offer competitive APRs from 3.89% to 6.24%, providing the most affordable financing option for members. Meanwhile, Recreational vehicle loans hold steady between 5.69% and 8.24%. Members seeking lower monthly payments should consider longer terms within these rate ranges. Consistent rates allow for reliable budgeting when financing used vehicles. For more details, visit https://www.tropicalfcu.com/credit-union-auto-loan/new-auto-loan.
LendMesh
A vehicle loan isn’t just a number—it’s a piece of your financial story. At LendMesh, we believe you deserve options that work for your goals and your budget. Discover flexible terms and honest offers from banks and credit unions at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, if you’re planning to buy or refinance your vehicle loan, consider locking in rates while they remain favorable, especially those sub-3% auto loans like UNITED’s offer. For families and recreational buyers, keep an eye on credit unions like AMERICAN AIRLINES and TROPICAL FINANCIAL that consistently provide mid-range competitive options with room to negotiate. If your current loan has a higher APR than these new deals, refinancing could save you hundreds in interest over the life of your loan. Motorcycle buyers should watch NECHES for stable low-end rates below 5%, making it easier to budget for your next ride. Remember that small fluctuations in APRs, even just a few basis points, can add up significantly depending on your loan term and amount. Staying informed and acting promptly on these current offers could mean the difference between paying more or less on your next vehicle purchase or refinance. Check multiple credit unions and get pre-approved early to maximize your savings and drive away confident in your financing choice.