Introduction
As of September 30, 2026, savvy vehicle shoppers have plenty to smile about with today’s competitive loan rates at credit unions. The lowest auto loan APR remains a standout 2.99% at UNITED Credit Union, offering an excellent opportunity for car buyers aiming to save on financing costs. Motorcycle enthusiasts can also benefit from solid deals, with NECHES Credit Union presenting the lowest motorcycle loan rate starting at 3.75% APR, a full 130 basis points lower than UNITED’s motorcycle rates. While most rates have held steady over the past month, keep an eye on UNITED’s auto loan top rate which nudged up slightly from 4.95% to 5.30%. Families and adventurers looking into recreational vehicles will find consistent options around the mid-6% range, with NECHES offering a broad spectrum from 3.75% up to 6.75% APR. Whether you’re upgrading your family car or gearing up for weekend rides, now is a smart time to explore these credit union offers and lock in favorable terms that help stretch your budget further.
Used - Vehicle Loans
| Lender | Product | 2026-09-30 Current | 2026-09-23 7 Days Ago | 2026-09-15 15 Days Ago | 2026-08-31 30 Days Ago | 2026-08-16 45 Days Ago | 2026-08-01 60 Days Ago | 2026-07-02 90 Days Ago | 2026-04-03 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| UNITED CREDIT UNIONLOWEST | Auto | 2.99 - 5.30% | 2.99 - 5.30% | 2.99 - 5.30% | 2.99 - 4.95% | 2.99 - 4.70% | 2.99 - 5.00% | 2.99 - 5.50% | 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% | N/A |
| 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 | N/A | 3.50 - 15.75% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% | 3.50 - 16.25% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | N/A | N/A | 3.50 - 15.75% | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A |
| UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION | Auto | 3.50 - 5.75% | N/A | N/A | N/A | N/A | N/A | N/A | 3.75 - 5.75% |
| MAX CREDIT UNION | Auto | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| NECHES FEDERAL CREDIT UNION | Auto | 3.75 - 5.50% | 3.75 - 5.50% | 3.75 - 5.00% | 3.75 - 5.00% | 3.75 - 5.00% | 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% | 3.75 - 4.75% | N/A | 3.75 - 4.75% | N/A | N/A |
| NECHES FEDERAL CREDIT UNION | Recreational | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | 3.75 - 6.75% | N/A | 3.50 - 6.75% | 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% |
| 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% |
| ABILENE TEACHERS FEDERAL CREDIT UNION | Auto | 3.90 - 18.00% | 3.90 - 18.00% | 3.90 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.95 - 18.00% | 3.90 - 17.99% |
| UNITED CREDIT UNION | Motorcycle | 5.05 - 6.30% | 5.05 - 6.30% | 5.05 - 6.30% | 4.70 - 5.95% | 4.45 - 5.70% | 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% |
| ABILENE TEACHERS FEDERAL CREDIT UNION | Recreational | 7.35 - 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | 6.10 - 17.99% |
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 30, 2026, UNITED’s used vehicle loan rates remain stable compared to the past 15 days. The used auto loan APR holds steady between 2.99% and 5.30%, offering one of the most affordable options for members. Motorcycle loans maintain a range of 5.05% to 6.30%, unchanged from recent weeks, while recreational vehicle rates stay consistent at 6.25% to 6.75%. Notably, the lowest used auto rate has increased slightly from 4.95% thirty days ago to 5.30% today, suggesting members should consider locking in current rates soon. Explore longer terms for lower monthly payments if budget flexibility is needed. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of September 30, 2026, TYNDALL’s used auto loan rates remain steady at 3.24% to 5.69% APR, with no changes over the past 30 days. This consistent rate range offers members predictable financing costs for used vehicles. For those seeking affordability, the lowest APR of 3.24% provides strong value. Consider loan terms that suit your budget to balance monthly payments and interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 30, 2026, SHELL's used auto loan rates remain steady at 3.49% to 18.00% APR, unchanged over the past 30 days. This range offers flexibility for members seeking affordable financing across various credit profiles. For those prioritizing lower monthly payments, consider exploring longer loan terms within this stable rate environment. Consistent rates provide a reliable basis for budgeting your vehicle purchase. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
FIVEPOINT CREDIT UNION
Used vehicle loan rates at FIVEPOINT remain steady over the past 30 days, with Auto loans holding at 3.50% to 15.75% APR and Recreational loans rising slightly from 15.75% to 16.75% APR. The consistent low starting rates on Auto loans offer strong value for members seeking affordable financing. Consider longer loan terms to reduce monthly payments, especially for recreational vehicles where rates have increased modestly. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of September 30, 2026, used auto loan rates at University of Illinois Community range from 3.50% to 5.75% APR, with no prior data for comparison. This rate bracket offers members competitive financing options for used vehicles. Consider shorter-term loans to potentially secure the lower end of this rate range and reduce overall interest costs. For detailed rate information and updates, visit https://www.uoficreditunion.org/rates/.
MAX CREDIT UNION
As of September 30, 2026, MAX’s used auto loan APR remains steady at 3.75%, unchanged over the past 30 days, offering one of the most affordable rates for used vehicles. The used recreational vehicle loan rate also holds firm at 7.00% with no recent changes. Members seeking lower monthly payments might consider longer-term used auto loans given the stable low rates. Consistent pricing provides clarity for budgeting your vehicle purchase. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NECHES FEDERAL CREDIT UNION
Used vehicle loan rates at NECHES have remained stable over the past month. The Used Auto loan APR holds steady between 3.75% and 5.50%, with a slight increase from 5.00% to 5.50% at the upper end since 15 days ago. Motorcycle loans continue at a consistent 3.75% to 4.75% APR, while Recreational loans maintain their range of 3.75% to 6.75% without change. For members seeking the most affordable financing, the Used Auto loan’s competitive low rate of 3.75% APR offers solid value. Consider longer terms to manage monthly payments effectively. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 30, 2026, used vehicle loan rates at AMERICAN AIRLINES Credit Union remain stable with no changes over the past 30 days. Used Auto loans hold competitive APRs between 3.84% and 4.59%, making them the most affordable option for members seeking used vehicles. Meanwhile, Recreational vehicle loans maintain rates from 5.59% to 6.34%, consistent with previous weeks. Members looking to manage monthly payments should consider longer loan terms within these ranges for added flexibility. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
LOS ANGELES FEDERAL CREDIT UNION
Used auto loan rates at LOS ANGELES credit union remain steady, with APRs holding firm between 3.90% and 16.75% over the past 30 days. This stability offers members consistent financing terms, particularly at the lower end of the rate spectrum for affordable borrowing. Consider shorter-term loans to secure the lowest available rates while maintaining manageable payments. For those seeking flexibility, monitoring these rates regularly can help identify optimal financing windows. For more details, visit https://www.lafcu.org/rates,
ABILENE TEACHERS FEDERAL CREDIT UNION
As of September 30, 2026, used auto loan rates at ABILENE TEACHERS remain stable, holding steady at 3.90% to 18.00% APR over the past 15 days, with a slight decrease from 3.95% at 30 days ago. The recreational vehicle loans are newly listed today at 7.35% to 17.99% APR. Members seeking affordability should consider the used auto loans for competitive low-end rates. For flexible budgeting, explore longer-term loan options to lower monthly payments while securing favorable rates. For more details, visit https://www.abileneteachersfcu.org/loans-credit-cards/vehicle-loans/auto-light-truck-loans/.
LendMesh
From your first car to your next upgrade, LendMesh helps you stay in control of your financing. With honest comparisons and lender reviews, you'll always know what you’re getting. Discover the difference at https://www.lendmesh.com/loans/vehicle_loans .
Customers Also Interested In
Conclusion
Looking ahead, consider refinancing existing loans if your current rates are above today’s competitive offerings, especially if you financed through other lenders. For buyers weighing new versus used vehicles, securing a loan with UNITED or NECHES could provide more manageable monthly payments thanks to their low starting APRs. Keep an eye on credit union promotions as they often align with seasonal demand shifts, fall could bring even better rates or incentives. Finally, if you’re financing motorcycles or recreational vehicles, don’t overlook smaller credit unions like MAX and AMERICAN AIRLINES that offer stable rates worth comparing. Taking time to shop around and prequalify can make all the difference in your total cost of ownership, so start your application process now to capitalize on today’s best deals before rates potentially rise later this year.