Introduction
On August 28, 2026, savvy vehicle buyers can take advantage of some exceptionally low loan rates at credit unions nationwide. The standout deal today is the auto loan rate as low as 2.99% APR from both Polish & Slavic and United Credit Unions, offering car shoppers a fantastic opportunity to save on financing. Motorcycle enthusiasts will find competitive rates too, with United Credit Union’s motorcycle loans ranging from 4.70% to 5.95% APR, while families looking for recreational vehicle loans can consider rates starting at 4.75% APR from Dade County Credit Union, a notable option for RV buyers. Although most rates have remained steady over the past month, watch for slight shifts like Sunmark’s auto rates easing down by about 50 basis points compared to last week, signaling potential savings if you time your loan carefully. Whether you're eyeing a new car, a motorcycle, or an RV, now is a great moment to explore credit union options that combine competitive rates with personalized service, key ingredients to help you drive away with confidence and cash left in your pocket.
New - Vehicle Loans
| Lender | Product | 2026-08-28 Current | 2026-08-21 7 Days Ago | 2026-08-13 15 Days Ago | 2026-07-29 30 Days Ago | 2026-07-14 45 Days Ago | 2026-06-29 60 Days Ago | 2026-05-30 90 Days Ago | 2026-03-01 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| 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% |
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.70% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 3.50 - 5.00% | 5.20 - 6.30% |
| 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% | 3.39 - 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% | 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% |
| FIVEPOINT CREDIT UNION | Auto | 3.50 - 15.75% | N/A | 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% | N/A | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A |
| SUNMARK CREDIT UNION | Auto | 3.74 - 5.49%▼ 50 bps | 4.24 - 4.49% | 4.49 - 4.74% | 4.49 - 4.74% | 4.49 - 4.74% | 4.49 - 6.24% | 3.99 - 6.99% | 4.24 - 10.24% |
| 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% | 4.00 - 5.00% | N/A | N/A |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.45 - 5.70% | 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 - 5.75% | 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 |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | N/A | 6.25% | 6.25% | 6.25% | 6.25% | 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 |
| 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% | 6.75 - 8.00% | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | N/A | 7.00% | 7.00% | 7.00% | 7.00% | N/A | N/A |
| SUNMARK CREDIT UNION | Recreational | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 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.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of August 28, 2026, new vehicle loan rates at POLISH & SLAVIC remain steady across all products. New auto loans hold a competitive APR range of 2.99% to 5.99%, unchanged over the past 30 days, offering affordability for members financing new cars. The motorcycle loan rate is steady at 7.00%, and the recreational vehicle loan rate remains at 6.25%, both consistent for the month. Members seeking lower monthly payments should consider longer-term options within these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of August 28, 2026, UNITED’s new auto loan rates remain steady between 2.99% and 4.95% APR, unchanged from last week but slightly higher at the upper end compared to 15 days ago. Motorcycle loan rates hold firm at 4.70% to 5.95% APR, with a minor increase since 15 days ago. Recreational vehicle loans continue stable at 6.25% to 6.75% APR over the past month. For members seeking affordability, the new auto loan offers the lowest starting rates. Consider checking long-term options to lower monthly payments if needed. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of August 28, 2026, TYNDALL's new auto loan rates remain steady, holding between 3.24% and 5.69% APR with no changes over the past 30 days. This stability offers consistent affordability for members financing new vehicles. For those seeking predictable payments, exploring longer-term loans may provide additional budget flexibility. Maintaining competitive rates without fluctuation supports reliable planning for new vehicle purchases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 28, 2026, new vehicle loan rates at AMERICAN AIRLINES Credit Union remain steady with no changes over the past 30 days. New Auto loans continue to offer competitive APRs between 3.34% and 4.09%, making them an affordable choice for members financing new cars. For those interested in recreational vehicles, rates hold firm at 5.59% to 6.34% APR. Consider exploring longer-term loan options to manage monthly payments effectively while benefiting from stable rates. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of August 28, 2026, PENTAGON's new auto loan rates remain stable, holding steady at 3.39% to 5.74% APR over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. The lowest APR of 3.39% represents the most affordable borrowing opportunity for new vehicle purchases. Members seeking manageable monthly payments should consider longer-term loan programs, which often feature lower rates within this range. For more details, visit https://www.penfed.org/auto#navRates.
BAXTER CREDIT UNION
As of August 28, 2026, BAXTER’s new auto loan rates remain stable, holding at 3.39% to 5.14% APR, unchanged over the past 15 days but down from 3.64% thirty days ago, offering members more affordable financing options. The new recreational vehicle loans stay steady at 5.44% to 6.44% APR with no rate changes in the last month. For members prioritizing lower payments, consider exploring longer-term auto loan options to maximize affordability and manage monthly expenses effectively. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DADE COUNTY FEDERAL CREDIT UNION
As of August 28, 2026, DADE COUNTY’s new vehicle loan rates remain steady across all products compared to the past 30 days. New Auto loans offer the most affordable APR range at 3.49% to 6.69%, providing consistent value for members financing new cars. Motorcycle loans hold firm between 4.00% and 5.00%, while Recreational and Other vehicle loans maintain slightly higher ranges at 4.75%, 5.75% and 6.75%, 8.00%, respectively. Members seeking cost-effective financing should consider new auto loans or explore longer terms for lower monthly payments. For more details, visit https://www.dcfcu.org/loan-rates,
SHELL FEDERAL CREDIT UNION
As of August 28, 2026, new auto loan rates at SHELL remain stable, holding steady between 3.49% and 18.00% APR over the past 30 days. This consistent rate range offers members reliable options for financing new vehicles without recent increases. For those seeking affordability, the lower end at 3.49% APR represents the most cost-effective borrowing opportunity available today. Members considering longer repayment terms may want to explore extended loan durations to reduce monthly payments while maintaining these competitive rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
As of August 28, 2026, new Auto and Recreational vehicle loan rates at FIVEPOINT remain steady, holding at 3.50% to 15.75% APR, reflecting a modest decline from the 15- and 30-day range of up to 16.75%. This shift indicates a tightening in upper-tier rates, benefiting members seeking affordable financing. For those prioritizing lower payments, exploring longer-term loan options may provide additional savings. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
SUNMARK CREDIT UNION
As of August 28, 2026, SUNMARK’s new auto loan rates have decreased notably, now ranging from 3.74% to 5.49% APR, down from a previous low of 4.24% seven days ago and steady around 4.49% to 4.74% over the past month. This marks a significant improvement for members seeking affordable financing on new vehicles. Meanwhile, recreational vehicle loan rates remain stable between 8.24% and 10.24% APR over the last 30 days. Members looking for lower monthly payments should consider exploring longer-term auto loan options with SUNMARK’s improved rates. For more details, visit https://www.sunmark.org/index.php/current-rates.
LendMesh
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Conclusion
Looking ahead, consider locking in those low APRs now, especially if you’re planning to buy or refinance your vehicle soon. With rates holding firm around the best offers like Polish & Slavic’s 2.99% for autos and Dade County’s attractive recreational loan terms, waiting could mean missing out on these prime deals. For motorcycle buyers, the slightly varied ranges at United and Dade County suggest comparing offers closely before committing. If you’re already financed but see these lower rates emerging, exploring refinancing options could reduce your monthly payments significantly. Keep an eye on market trends but don’t hesitate to act when a deal fits your budget, credit unions are well-known for flexible terms and member-focused benefits that banks often can’t match. Ultimately, whether it’s your first ride or a family adventure vehicle, using these current low rates wisely can make all the difference in your total cost of ownership.