Introduction
On October 2, 2026, savvy vehicle shoppers have plenty of reason to smile with today’s standout loan rates at credit unions. The lowest auto loan APR sits at a remarkable 2.99% with both Polish & Slavic and United Credit Unions, offering excellent options for car buyers ready to save. Motorcycle enthusiasts can tap into steady rates like the 7.00% fixed rate at Polish & Slavic, while those eyeing recreational vehicles should note competitive offers starting at 5.59% through American Airlines Credit Union. While most rates have held steady over the past month, United’s auto loan upper APR has nudged up by about 130 basis points compared to 30 days ago, a shift worth watching if you’re timing your purchase. Families and riders alike can leverage these stable and attractive financing options to lock in savings now. If you’re planning your next vehicle purchase or refinance, understanding where the best rates stand today is key to maximizing your buying power.
New - Vehicle Loans
| Lender | Product | 2026-10-02 Current | 2026-09-25 7 Days Ago | 2026-09-17 15 Days Ago | 2026-09-02 30 Days Ago | 2026-08-18 45 Days Ago | 2026-08-03 60 Days Ago | 2026-07-04 90 Days Ago | 2026-04-05 180 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 - 6.25% | 2.99 - 5.30% | 2.99 - 5.30% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 4.45 - 5.55% |
| 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% |
| 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% |
| 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% |
| UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION | Auto | 3.50 - 4.00% | N/A | N/A | N/A | N/A | N/A | N/A | 3.50 - 4.25% |
| FIVEPOINT CREDIT UNION | Auto | 3.50 - 15.75% | N/A | N/A | 3.50 - 15.75% | 3.50 - 16.25% | 3.50 - 16.25% | N/A | 3.50 - 16.25% |
| FIVEPOINT CREDIT UNION | Recreational | 3.50 - 16.75% | N/A | N/A | 3.50 - 16.75% | 3.50 - 16.75% | 3.50 - 16.75% | N/A | N/A |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 5.74% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Auto | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 4.74% | N/A | 4.24 - 5.24% | 4.24 - 5.24% |
| SUNMARK CREDIT UNION | Auto | 3.74 - 5.49% | 3.74 - 5.49% | 3.74 - 5.49% | 3.74 - 5.49% | 4.24 - 4.49% | 4.49 - 4.74% | 4.49 - 4.74% | 4.24 - 7.24% |
| 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 STATES SENATE FEDERAL CREDIT UNION | Recreational | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | N/A | 5.99 - 9.49% | N/A |
| UNITED CREDIT UNION | Motorcycle | 6.10 - 7.25%▲ 105 bps | 5.05 - 6.30% | 5.05 - 6.30% | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.75 - 6.00% | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | N/A | 6.25% | N/A | 6.25% | 6.25% | N/A |
| UNITED CREDIT UNION | Recreational | 6.50 - 7.00%▲ 25 bps | 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 |
| INDIANA MEMBERS CREDIT UNION | Recreational | 6.99 - 8.74% | 6.99 - 8.74% | 6.99 - 8.74% | 6.99 - 8.74% | 6.99 - 8.74% | 6.99 - 8.24% | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | 7.00% | N/A | 7.00% | 7.00% | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | 8.24% | 8.24% | 8.24% | 8.24% | 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% | 8.24 - 10.24% | 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 October 2, 2026, POLISH & SLAVIC’s new vehicle loan rates remain steady across all products. New auto loans hold a competitive APR range of 2.99% to 5.99%, unchanged over the past month, offering affordable financing for members. The motorcycle loan APR stays fixed at 7.00%, while the recreational vehicle rate remains at 6.25%. Members seeking lower monthly payments may want to explore longer-term auto loan options within this stable rate environment. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
For new vehicle loans at UNITED, Auto loan rates remain steady at 2.99% to 6.25% APR, holding the most affordable range for members. However, Motorcycle and Recreational loan rates increased by about 1 percentage point over the past 30 days, reaching 6.10%-7.25% and 6.50%-7.00%, respectively. Members seeking cost-effective financing should consider new auto loans or explore longer terms to lower monthly payments. Monitoring rate trends can help secure the best financing option for your vehicle type. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of October 2, 2026, TYNDALL's new auto loan rates remain steady, ranging from 3.24% to 5.69% APR, with no changes over the past 30 days. This consistent rate environment offers members predictable financing costs for new vehicles. For those seeking the most affordable options, the lower end at 3.24% APR represents strong value. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of October 2, 2026, AMERICAN AIRLINES' new vehicle loan rates remain steady, with Auto loans at 3.34% to 4.09% APR and Recreational loans at 5.59% to 6.34% APR, showing no changes over the past 30 days. The consistently low rates on new auto loans provide members with affordable financing options. For those considering a purchase, exploring longer-term loan terms may help lower monthly payments without rate increases. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
SHELL FEDERAL CREDIT UNION
As of October 2, 2026, SHELL’s new auto loan rates remain steady at 3.49% to 18.00% APR, showing no changes over the past 30 days. This stable rate environment benefits members seeking predictable financing costs for new vehicles. For those aiming to manage monthly payments effectively, consider exploring longer-term loan options which may offer lower monthly obligations despite the current rate range. Members looking for affordable vehicle financing can rely on these consistent rates when planning their purchases. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 2, 2026, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY range from 3.50% to 4.00% APR; no previous data is available for comparison. This competitive rate band offers members affordable financing options for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan programs could be beneficial. Monitor rates regularly to secure the most favorable terms as market conditions evolve. For more details, visit https://www.uoficreditunion.org/rates/.
FIVEPOINT CREDIT UNION
As of October 2, 2026, FIVEPOINT’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer APRs from 3.50% to 15.75%, while Recreational loans range from 3.50% to 16.75%. These competitive fixed rates provide affordable financing options for members seeking new vehicles or recreational equipment. For those prioritizing lower monthly payments, exploring longer-term loans could be beneficial. Consistent rates mean predictable budgeting for your new vehicle purchase. For more details, visit https://www.5pointcu.org/rates-(1)/#autoloans.
INDIANA MEMBERS CREDIT UNION
For Indiana Members, new vehicle loan rates remain steady this month. The Auto loan APR holds at 3.74% to 6.74%, offering the most affordable financing option for new vehicles. Motorcycle loans stay fixed at 8.24% APR, while Recreational loans range from 6.99% to 8.74% with no recent changes. Members seeking cost-effective financing should consider new auto loans for lower rates; longer terms may further reduce monthly payments. For more details, visit https://www.imcu.com/lending-rates,
UNITED STATES SENATE FEDERAL CREDIT UNION
As of October 2, 2026, UNITED STATES SENATE credit union’s new vehicle loan rates remain steady across all products. New Auto loans hold a competitive APR range of 3.74% to 4.74%, unchanged over the past 30 days, offering affordable financing for members purchasing new cars. Recreational vehicle loans maintain rates between 5.99% and 9.49%, with no recent shifts, providing consistent options for specialized vehicles. Members seeking cost-effective financing should consider the new auto loan products due to their stable, lower rates. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
SUNMARK CREDIT UNION
As of October 2, 2026, SUNMARK’s new vehicle loan rates remain steady, with Auto loans ranging from 3.74% to 5.49% APR and Recreational loans between 8.24% and 10.24% APR, unchanged over the past 30 days. The Auto loan offers the most affordable financing options for members seeking new vehicles. For those prioritizing manageable monthly payments, consider exploring longer-term Auto loan options to optimize affordability. For more details, visit https://www.sunmark.org/index.php/current-rates,
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Conclusion
Looking ahead, now is a smart time to explore refinancing or purchasing your next vehicle, especially if you qualify for the ultra-low 2.99% auto loans from Polish & Slavic or United Credit Unions. Keep an eye on credit union promotions and be prepared to act quickly if rates start shifting upward again, particularly for motorcycle and recreational loans where variability is more noticeable. For families upgrading their ride or adventure seekers adding an RV, locking in a mid-to-low single-digit APR can mean big savings over time. Consider checking multiple credit unions since rates and terms vary significantly; finding the right fit could shave months off your loan or thousands off total interest paid. Stay proactive about your credit score and gather pre-approval offers so you’re ready when the perfect deal hits your driveway.