Introduction
As of October 1, 2025, savvy vehicle shoppers have plenty of reasons to get excited about financing options at credit unions. The standout deal today is from TYNDALL Credit Union, offering auto loan rates as low as 3.24% APR, making it an excellent choice for those looking to save on their next car purchase. Meanwhile, motorcycle and recreational vehicle buyers can consider CALIFORNIA COAST’s competitive rates starting around 6.88%, which have remained steady over the past month. Notably, CALIFORNIA COAST’s auto loan rates have shifted slightly downward from last month’s 5.28%-8.23% range to a current 4.98%-7.93%, showing a positive trend for borrowers ready to act now. On the higher end, DELTA COMMUNITY’s auto loans range up to 16.09%, so it pays to shop around for the best fit. Whether you’re after a sleek new ride or your next family vehicle, locking in one of these low APR offers could mean big savings over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2025-10-01
(Current Day)
(Current Day)
2025-09-24
(7 Days Ago)
(7 Days Ago)
2025-09-16
(15 Days Ago)
(15 Days Ago)
2025-09-01
(30 Days Ago)
(30 Days Ago)
2025-08-17
(45 Days Ago)
(45 Days Ago)
2025-08-02
(60 Days Ago)
(60 Days Ago)
2025-07-03
(90 Days Ago)
(90 Days Ago)
Auto
3.79 - 16.09
3.79 - 16.09
3.79 - 16.09
3.79 - 16.09
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
Other
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
Auto
4.98 - 7.93
5.28 - 8.23▲ 30 bps
5.28 - 8.23▲ 30 bps
4.28 - 7.08▼ 70 bps
5.78 - 8.48▲ 80 bps
4.78 - 7.08▼ 20 bps
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
TYNDALL FEDERAL CREDIT UNION
As of October 1, 2025, TYNDALL’s Used Auto loan rates remain steady at 3.24% to 7.24% APR, showing no change over the past 30 days. This stable rate range offers members consistent affordability for used vehicle financing. For members seeking manageable payments, exploring longer-term loans may provide additional flexibility. Monitoring these rates regularly can help identify optimal borrowing times. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
DELTA COMMUNITY CREDIT UNION
Used vehicle loan rates at DELTA COMMUNITY remain steady, with Auto loans holding between 3.79% and 16.09% APR over the past 30 days. The Other vehicle loan category also remains unchanged at 3.79% to 17.49% APR. These consistent rates provide members with predictable financing costs. For members seeking affordability, the lowest APR of 3.79% on used Auto loans offers competitive value. Consider loan terms carefully to balance monthly payments and total interest paid when selecting your financing option. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 3.95% to 6.75% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs on used vehicles. For those seeking affordable options, the current low end of 3.95% APR presents a competitive choice. Consider longer-term loans to manage monthly payments while taking advantage of stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
CALIFORNIA COAST CREDIT UNION
Used auto loan rates at CALIFORNIA COAST decreased by up to 30 basis points compared to 15 days ago, now ranging from 4.98% to 7.93% APR, offering the most affordable financing option for members. Motorcycle and recreational vehicle loans remain stable at 6.88% to 7.38% APR over the past month. For members seeking lower monthly payments, exploring longer-term used auto loans may provide added savings. For more details, visit https://www.calcoastcu.org/auto-loans-rates/.
ARKANSAS FEDERAL CREDIT UNION
As of October 1, 2025, used auto loan rates at ARKANSAS credit union remain steady between 3.99% and 5.79% APR, unchanged over the past 30 days. This consistency offers members reliable financing options for used vehicles without rate fluctuations. For those seeking affordable loans, the lower end at 3.99% APR presents a competitive opportunity. Consider longer-term loans to lower monthly payments while maintaining these stable rates. For more details, visit https://www.afcu.org/auto/new-and-used-auto-loans/.
U.S. EAGLE FEDERAL CREDIT UNION
As of October 1, 2025, used vehicle loan rates at U.S. EAGLE remain stable, with Auto loans ranging from 3.99% to 7.54% APR unchanged over the past month. The Motorcycle loan rate holds steady at 7.99% APR, while Recreational loans continue between 8.99% and 10.79% APR. Members seeking affordability should consider the competitive low end of the used Auto loan range for cost-effective financing. For manageable payments, explore longer terms within these fixed rates to optimize budgeting. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates.
ALABAMA ONE CREDIT UNION
As of October 1, 2025, ALABAMA ONE’s Used Auto Loan APR remains steady at 3.99%, unchanged over the past 30 days. This consistent rate offers members a reliable, affordable option for financing used vehicles. Members seeking stable rates should consider locking in these terms now to avoid potential future increases. For more details, visit https://www.alabamaone.org/product/vehicle-loans.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of October 1, 2025, used vehicle loan rates at University of Kentucky remain steady with no changes over the past 30 days. Used Auto loans offer competitive APRs between 3.99% and 6.49%, providing an affordable option for members. The Motorcycle loan rate holds at 7.74%, while Other used vehicle loans range from 6.99% to 8.24%. Members seeking cost-effective financing should consider the used auto loan options for lower rates. For detailed rate information and terms, visit https://www.ukfcu.org/borrow/rates#auto.
SHELL FEDERAL CREDIT UNION
As of October 1, 2025, SHELL’s used auto loan rates remain steady at 3.99% to 18.00% APR, showing no changes over the past 30 days. This range offers members options from highly competitive rates for strong credit profiles to flexible terms for varied credit situations. For those seeking affordability, the lower end at 3.99% APR presents a valuable opportunity. Consider loan terms carefully to balance monthly payments and total interest costs based on your budget. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
CERTIFIED FEDERAL CREDIT UNION
For used vehicle loans at CERTIFIED, rates remain steady at 4.09% to 6.49% APR with no changes over the past 30 days. This consistency provides members predictable financing costs for used autos. The current range offers competitive options for borrowers seeking affordability in used auto financing. Consider shorter terms to secure lower rates and reduce total interest paid. For more details, visit https://www.certifiedfed.com/rates-2/#vehicle.
LendMesh
You’ve found the car. Now it’s time to finance it the smart way. At LendMesh, we bring together credit unions and banks that offer real rates—not teaser deals—so you can compare and choose what fits your life. Whether you’re buying new, used, or refinancing, the road to better auto financing starts here: https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to evaluate your vehicle financing options closely. If you’re already carrying a loan with a higher rate, consider refinancing through credit unions like TYNDALL or ARKANSAS, which offer sub-4% APRs that could lower your monthly payments significantly. For first-time buyers or families upgrading their vehicles, keep an eye on credit unions like CALIFORNIA COAST and UNIVERSITY OF KENTUCKY, where stable rates make budgeting easier without sacrificing flexibility. Motorcycle and RV enthusiasts should note that specialized loan programs maintain consistent rates, ideal for planning your purchase confidently. Ultimately, acting sooner rather than later can help you take advantage of current favorable rates before any potential market shifts occur. Stay informed, compare offers carefully, and use these trusted credit union programs to drive home the best financing deal possible.