Introduction
As of September 2, 2026, savvy vehicle buyers have plenty of reasons to get excited. UNITED Credit Union offers the lowest auto loan APR at an attractive 2.99%, making it a top choice for anyone looking to finance a new car. Motorcycle enthusiasts can also benefit from UNITED’s competitive rates starting at 4.70%. Meanwhile, recreational vehicle loans are available with rates as low as 3.50% through FIVEPOINT, offering flexibility for those eyeing their next adventure rig. Rates have remained remarkably stable over the past month, but keep an eye on NECHES Credit Union, where auto loan rates recently tightened slightly at the upper end, from 5.25% down to 5.00%, a meaningful improvement for borrowers with less-than-perfect credit. Whether you’re buying your first car, upgrading your bike, or investing in a camper, today’s market delivers solid opportunities to save money with credit union financing that often beats traditional lenders.
Used - Vehicle Loans
| Lender | Product | 2026-09-02 Current | 2026-08-26 7 Days Ago | 2026-08-18 15 Days Ago | 2026-08-03 30 Days Ago | 2026-07-19 45 Days Ago | 2026-07-04 60 Days Ago | 2026-06-04 90 Days Ago | 2026-03-06 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 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 - 5.69% | 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 - 15.75% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | N/A | 3.50 - 16.25% | 3.50 - 16.25% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | 3.50 - 15.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | 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% |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.00% | 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% |
| 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 |
| 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 - 9.90% | 3.89 - 7.39% | 3.89 - 7.39% | 4.29 - 7.39% | 3.89 - 7.39% | 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 - 6.34% | 3.99 - 6.34% | 3.99 - 6.34% |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 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% | 7.45 - 10.05% | 10.05% | 7.45 - 10.05% |
| NAVY FEDERAL CREDIT UNION | Recreational | 7.45 - 9.80% | 7.45 - 9.80% | 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
As of September 2, 2026, UNITED's used vehicle loan rates remain steady across all categories with no changes in the past 30 days. The most affordable option continues to be the Used Auto Loan at 2.99% to 4.95% APR, providing strong value for members seeking budget-friendly financing. Motorcycle loans range from 4.70% to 5.95% APR, while Recreational vehicle loans hold between 6.25% and 6.75% APR. Members looking to minimize monthly payments should consider longer-term loans within these stable rate ranges for predictable budgeting. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of September 2, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 5.69% APR, unchanged over the past 30 days. This stability offers members consistent access to affordable financing options for used vehicles. Consider exploring longer-term loans if you aim to lower monthly payments while benefiting from these competitive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 2, 2026, SHELL's used auto loan rates remain steady at 3.49% to 18.00% APR, unchanged over the past 30 days. This consistent range offers members predictable financing options for used vehicles. For those seeking affordability, the lower end of the APR spectrum at 3.49% provides valuable savings on interest costs. Consider longer-term loans to reduce monthly payments while maintaining competitive rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
As of September 2, 2026, FIVEPOINT's used auto loan rates remain steady at 3.50% to 15.75% APR, holding firm over the past week and down slightly from 16.25% fifteen and thirty days ago. Conversely, used recreational vehicle loans increased to a range of 3.50% to 16.75% APR, up 100 basis points from last week’s high of 15.75%. Members seeking affordability should consider used auto loans for the lowest starting APR of 3.50%. For flexible budgeting, review longer-term loan options to reduce monthly payments. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
MAX CREDIT UNION
Used vehicle loan rates at MAX remain steady this month, with the Used Auto loan APR holding firm at 3.75% over the past 30 days, offering one of the most affordable financing options for members. The Used Recreational loan APR also remains unchanged at 7.00%, reflecting stable costs for specialty vehicle financing. Members seeking to manage monthly payments should consider longer-term used auto loans to maximize affordability. For current rates and more details, visit https://www.mymax.com/save/personal-financial-rates,
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain mostly steady this week. Used Auto loans hold firm at 3.75% to 5.00% APR, unchanged from the last 15 days but slightly lower than 30 days ago. Motorcycle loans continue at a competitive 3.75% to 4.75% APR with no movement over the past month. Notably, Recreational vehicle rates edged up on the low end from 3.50% to 3.75% APR over 30 days, while upper rates stayed stable. For members seeking affordability, used auto loans offer the best consistent rates. Review loan terms carefully to match your budget and payment goals. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 2, 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, recreational vehicle loans hold firm at 5.59% to 6.34% APR with no rate movement. The stable rates offer consistent affordability for members financing used vehicles. For those seeking lower monthly payments, consider longer-term loan options to maximize budget flexibility. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
NAVY FEDERAL CREDIT UNION
As of September 2, 2026, NAVY FEDERAL CREDIT UNION's used auto loan rates remain steady, holding at 3.89% to 9.90% APR, with no changes over the past 30 days. The used motorcycle loan rates also remain unchanged at 7.45% to 10.05% APR. Notably, the used recreational vehicle loan upper rate decreased slightly from 9.90% to 9.80% APR compared to 15 and 30 days ago, offering modest savings for members. For those seeking affordable financing, the used auto loan provides the lowest starting APR. Consider exploring longer terms if you want to lower monthly payments while managing interest costs. 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 30 days, showing no increase or decrease in this period. The most affordable rate starts at 3.89% APR, offering a competitive option for members financing used vehicles. Consider longer-term loan options to potentially reduce monthly payments while maintaining these stable rates. For more details, visit https://www.sandia.org/auto-loans.
TROPICAL FINANCIAL CREDIT UNION
As of September 2, 2026, used vehicle loan rates at TROPICAL FINANCIAL remain steady, with Auto loans ranging from 3.89% to 6.24% APR and Recreational loans between 5.69% and 8.24% APR. No rate changes have occurred over the past 30 days, providing consistent borrowing costs for members. For those seeking the most affordable financing, used Auto loans offer the lowest APRs available. Members considering larger purchases or flexible terms should review loan duration options to manage monthly payments effectively. For more details, visit https://www.tropicalfcu.com/credit-union-auto-loan/new-auto-loan.
LendMesh
Car shopping is exciting—until the financing part gets confusing. That’s where LendMesh comes in. We’ve built a platform that helps you compare real-time vehicle loan offers from trusted banks and credit unions—all in one place. Find the right rate and hit the road with confidence: https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, consider locking in these low APRs now before any potential interest rate shifts later this year. If you currently carry higher-rate loans, refinancing through credit unions like UNITED or NECHES could yield substantial savings and lower monthly payments. For families planning recreational purchases, exploring FIVEPOINT’s competitive RV rates might be worthwhile sooner rather than later. Also, if you’re flexible on timing your purchase, monitor credit unions that show small rate fluctuations, they can signal upcoming promotions or adjustments worth leveraging. Ultimately, combining your research with pre-approval from a credit union can empower smarter negotiations at the dealership and help secure financing tailored to your budget and lifestyle goals.