Introduction
If you’re shopping for a vehicle on September 16, 2026, today’s credit union loan rates offer some standout opportunities to save. The lowest auto loan APR is an impressive 2.99% at UNITED Credit Union, making it a top pick for car buyers looking to keep financing costs down. Motorcycle enthusiasts will notice NECHES Credit Union leading with rates as low as 3.75%, while recreational vehicle loans start at a competitive 3.75% at NECHES as well. Most rates have held steady over the past month, but keep an eye on NAVY FEDERAL CREDIT UNION’s auto loans, where the top APR nudged up from 7.39% to 9.90%, signaling a shift in higher-tier rates. If you’re aiming for the best deal, now is a great time to lock in those sub-4% APR offers on autos and motorcycles before any seasonal rate changes occur. Whether upgrading your family ride or adding a motorcycle for weekend adventures, these credit unions provide some of the most attractive financing options available today.
Used - Vehicle Loans
| Lender | Product | 2026-09-16 Current | 2026-09-09 7 Days Ago | 2026-09-01 15 Days Ago | 2026-08-17 30 Days Ago | 2026-08-02 45 Days Ago | 2026-07-18 60 Days Ago | 2026-06-18 90 Days Ago | 2026-03-20 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.30% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.00% | 4.45 - 4.65% |
| 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% |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.00% | 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% |
| NECHES FEDERAL CREDIT UNION | Motorcycle | 3.75 - 4.75% | 3.75 - 4.75% | 3.75 - 4.75% | N/A | 3.75 - 4.75% | N/A | 3.50 - 4.50% | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | N/A | 3.50 - 6.75% | N/A | 3.50 - 6.50% | N/A |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| 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% |
| SANDIA AREA FEDERAL CREDIT UNION | Auto | 3.89 - 5.89% | 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% |
| NAVY FEDERAL CREDIT UNION | Auto | 3.89 - 9.90% | 3.89 - 9.90% | 3.89 - 9.90% | 3.89 - 7.39% | 3.89 - 7.39% | 4.29 - 7.39% | 4.79 - 6.98% | 4.79 - 5.39% |
| ABILENE TEACHERS FEDERAL CREDIT UNION | Auto | 3.90 - 18.00%▼ 5 bps | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.90 - 17.99% |
| LOS ANGELES FEDERAL CREDIT UNION | Auto | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% | 3.90 - 16.75% |
| UNITED CREDIT UNION | Motorcycle | 5.05 - 6.30%▲ 35 bps | 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 |
| 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% | 5.59 - 6.34% | 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% | 6.25 - 6.75% | 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% | N/A | 7.45 - 10.05% |
| NAVY FEDERAL CREDIT UNION | Recreational | 7.45 - 9.90% | 7.45 - 9.90% | 7.45 - 9.80% | 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 show a mixed trend this week. Used Auto loans remain steady at 2.99% to 5.30% APR, with the upper range slightly higher than last month. Motorcycle loan rates increased notably, now 5.05% to 6.30%, up from 4.70% to 5.95% seven days ago. Recreational loans hold firm between 6.25% and 6.75%. For members seeking value, used auto loans offer the most affordable financing. Consider longer terms to reduce monthly payments if upfront costs are a concern. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of September 16, 2026, TYNDALL’s used auto loan rates remain steady between 3.24% and 5.69% APR, showing no change over the past 30 days. This stability offers consistent affordability for members financing used vehicles. For those seeking manageable payments, exploring longer-term loans may help balance monthly costs without rate fluctuations. Maintaining a fixed rate range supports clear budgeting for borrowers. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 16, 2026, SHELL's used auto loan rates remain steady at 3.49% to 18.00% APR, unchanged over the past 30 days. This consistent rate range offers members clear expectations when financing used vehicles. For those seeking affordability, the lower end at 3.49% APR provides competitive financing. Consider longer terms to manage monthly payments effectively while maintaining a fixed rate. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES remain stable with Auto loans holding steady between 3.75% and 5.00% APR over the past 30 days. Motorcycle loans continue at 3.75% to 4.75% APR, consistent for two weeks, offering a competitive rate for riders. The widest range appears in Recreational loans at 3.75% to 6.75% APR, unchanged recently but worth reviewing for cost efficiency. For members seeking affordable financing, used auto and motorcycle loans provide reliable options with no recent rate increases. Consider evaluating loan terms to balance monthly payments and total interest paid. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
MAX CREDIT UNION
As of September 16, 2026, used auto loan rates remain steady at 3.75% APR, showing no change over the past 30 days. Similarly, used recreational vehicle loans hold firm at 7.00% APR with no movement in the last month. The 3.75% APR on used auto loans offers members a consistently affordable financing option. For those considering flexibility, reviewing loan terms may help optimize monthly payments without rate fluctuations. For more details, visit https://www.mymax.com/save/personal-financial-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 16, 2026, used vehicle loan rates at AMERICAN AIRLINES Credit Union remain steady with no changes over the past 30 days. Used auto loans offer competitive APRs between 3.84% and 4.59%, representing the most affordable option for members financing used vehicles. Meanwhile, recreational vehicle loans hold rates from 5.59% to 6.34%, consistent across the month. Members seeking manageable monthly payments should consider these stable rates and explore different term lengths for potential savings. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
SANDIA AREA FEDERAL CREDIT UNION
Used auto loan rates at SANDIA AREA remain stable at 3.89% to 5.89% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no recent rate changes, members can confidently consider these terms for budgeting purposes. For those seeking manageable monthly payments, exploring longer loan terms may provide additional financial flexibility. This steady rate environment supports clear planning for used vehicle purchases. For more details, visit https://www.sandia.org/auto-loans.
NAVY FEDERAL CREDIT UNION
Used vehicle loan rates at Navy Federal Credit Union remain mostly stable. Used Auto loans hold steady between 3.89% and 9.90% APR, unchanged over the past 15 days, though the upper rate increased from 7.39% a month ago. Motorcycle loans maintain a consistent range of 7.45% to 10.05% APR with no shifts in the last 30 days. Recreational vehicle loans saw a slight uptick on the upper end, moving from 9.80% to 9.90% APR over 15 days. For affordable financing, consider used auto loans for the lowest starting APRs. Check longer terms for manageable payments. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html,
ABILENE TEACHERS FEDERAL CREDIT UNION
As of September 16, 2026, ABILENE TEACHERS’ Used Auto Loan rates remain steady at 3.90% to 18.00% APR, with a slight improvement from last week’s minimum rate of 3.95%. This stable pricing offers members consistent access to competitive financing. For those seeking the lowest rates, the current 3.90% APR represents the most affordable option in recent weeks. Consider longer-term loan choices if you want to lower monthly payments while managing your budget effectively. For more details, visit https://www.abileneteachersfcu.org/loans-credit-cards/vehicle-loans/auto-light-truck-loans/.
LOS ANGELES FEDERAL CREDIT UNION
Used auto loan rates at LOS ANGELES Credit Union remain steady, holding at 3.90% to 16.75% APR over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordability, the lowest rates at 3.90% APR provide competitive options. Consider longer loan terms to reduce monthly payments while managing interest costs effectively. For more details, visit https://www.lafcu.org/rates,
LendMesh
Tired of dealerships offering you one-size-fits-all financing? At LendMesh, we put you in control with customized vehicle loan comparisons. No hidden fees. No pushy sales tactics. Just offers you can trust. Explore your options at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, consider locking in your loan now if you qualify for these low APRs, especially the under-3% offers from UNITED or the steady 3.75% from NECHES. Refinancing could also be worthwhile if your current rate is above today’s market averages, credit unions tend to offer better terms than traditional lenders. For families and riders planning purchases later this year, watch for potential rate shifts at larger credit unions like NAVY FEDERAL, where fluctuations have been noticeable recently. Staying proactive by comparing multiple credit unions can help you secure a loan that fits your budget and timeline perfectly. Remember, even small basis point differences add up over time, so take advantage of these favorable rates to save money on your next vehicle purchase or refinance move.