Introduction
As of October 8, 2025, savvy car shoppers have plenty to smile about with today’s competitive vehicle loan rates at credit unions. The standout deal goes to VYSTAR, offering an impressively low 2.94% APR on auto loans, holding steady over the past month, an excellent opportunity for those looking to finance a new or used car. Motorcycle enthusiasts will find consistent rates around 6.88% to 7.74%, with California Coast and University of Kentucky leading the way. While most credit unions maintained stable rates this week, keep an eye on Polish & Slavic Credit Union, which saw a slight improvement from a minimum of 3.95% down to 3.50% APR in the last 15 days, shaving off 45 basis points, a meaningful drop for budget-conscious buyers. Whether you’re buying your first family SUV or upgrading your ride, these credit union rates offer real savings potential compared to traditional lenders.
Used - Vehicle Loans
Credit Union
Product
2025-10-08
(Current Day)
(Current Day)
2025-10-01
(7 Days Ago)
(7 Days Ago)
2025-09-23
(15 Days Ago)
(15 Days Ago)
2025-09-08
(30 Days Ago)
(30 Days Ago)
2025-08-24
(45 Days Ago)
(45 Days Ago)
2025-08-09
(60 Days Ago)
(60 Days Ago)
2025-07-10
(90 Days Ago)
(90 Days Ago)
Auto
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
3.95 - 6.75▲ 45 bps
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
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
Auto
3.98 - 7.93
3.98 - 7.93
5.28 - 8.23▲ 130 bps
5.28 - 8.23▲ 130 bps
4.78 - 8.48▲ 80 bps
4.78 - 7.08▲ 80 bps
4.78 - 8.48▲ 80 bps
Motorcycle
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 8.38
Recreational
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 7.38
6.88 - 8.38
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
VYSTAR CREDIT UNION
As of October 8, 2025, VYSTAR’s Used Auto Loan APR remains steady at 2.94%, unchanged over the past 7 and 30 days but significantly lower than rates from 15 days ago, which ranged between 6.29% and 8.84%. This stable low rate presents a valuable opportunity for members seeking affordable used vehicle financing. Consider locking in this rate promptly to benefit from consistent savings. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady at 3.24% to 7.24% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. With no rate changes recently, this stability benefits members seeking predictable loan costs. Consider longer-term loans if you want to lower monthly payments while maintaining these competitive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady, holding at 3.50% to 6.75% APR over the past week. Compared to 15 and 30 days ago, the lower rate improved from 3.95% to 3.50%, reflecting a 45 basis point drop that benefits members seeking affordable financing. This range offers competitive options for various credit profiles; consider locking in these rates promptly before potential market shifts. For longer-term affordability, explore loan terms that balance monthly payments with overall interest costs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
DELTA COMMUNITY CREDIT UNION
Used vehicle loan rates at DELTA COMMUNITY remain steady with Auto loans holding at 3.79% to 16.09% APR and the Other category steady between 3.79% and 17.49% APR over the past 30 days. No rate changes indicate consistent financing costs for members seeking used vehicles. For those prioritizing affordability, the lowest APR of 3.79% on both products offers a competitive starting point. Consider loan term length carefully to balance monthly payments and overall interest paid. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates,
CALIFORNIA COAST CREDIT UNION
As of October 8, 2025, used auto loan rates at CALIFORNIA COAST remain steady between 3.98% and 7.93% APR, improving notably from 5.28% to 8.23% fifteen and thirty days ago. Motorcycle and recreational vehicle loans hold firm at 6.88% to 7.38% APR with no recent changes. Members seeking affordability should consider used auto loans, currently offering the lowest rates in this category. For manageable monthly payments, explore longer-term loan options within these stable rate ranges. For more details, visit https://www.calcoastcu.org/auto-loans-rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
Used vehicle loan rates at UNIVERSITY OF KENTUCKY remain stable, with Auto loans holding steady between 3.99% and 6.49% APR over the past 30 days. The Motorcycle loan rate is unchanged at 7.74% APR, while Other vehicle loans maintain a range of 6.99% to 8.24% APR. Members seeking affordability will find the used auto loan rates most competitive. Consider longer-term loans to manage monthly payments effectively without rate increases. For more details, visit https://www.ukfcu.org/borrow/rates#auto,
U.S. EAGLE FEDERAL CREDIT UNION
Used vehicle loan rates at U.S. EAGLE remain steady this month, with Auto loans holding firm between 3.99% and 7.54% APR for the past 30 days, representing stable affordability for members. Motorcycle loans stayed constant at 7.99% APR, while Recreational vehicle rates range from 8.99% to 10.79% APR without change. Members seeking cost-effective financing should consider used auto loans for the lowest rates. For flexible budgeting, it’s wise to review term options that balance monthly payments and interest costs. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates.
ALABAMA ONE CREDIT UNION
As of October 8, 2025, ALABAMA ONE’s used auto loan rate remains steady at 3.99% APR, unchanged over the past 30 days. This consistent rate offers members reliable affordability for used vehicle financing. For those seeking manageable monthly payments, consider exploring longer loan terms to optimize your budget. The stable rate environment supports clear planning without unexpected cost increases. For more details, visit https://www.alabamaone.org/product/vehicle-loans.
SHELL FEDERAL CREDIT UNION
For used vehicle loans at SHELL, the Auto loan APR remains steady between 3.99% and 18.00% over the past 30 days, indicating stable financing costs for members. The consistent rate range offers clear options for borrowers seeking flexibility. Members looking for affordable financing should consider shorter terms within this range to benefit from lower rates. For those prioritizing manageable monthly payments, exploring longer-term loans might provide better cash flow despite higher APRs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
UNITED CREDIT UNION
For October 8, 2025, UNITED’s Used Auto Loan rates remain steady between 4.15% and 5.40% APR, unchanged over the past week but showing improvement from 15 and 30 days ago when upper rates reached as high as 6.65%. This stability offers members access to some of the most affordable used auto financing currently available. Consider locking in rates now to benefit from lower APRs compared to earlier in the month. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
LendMesh
Looking for a vehicle loan that doesn’t break your budget? LendMesh connects you to credit unions and banks that understand real-life finances. With low rates and transparent terms, you’ll know exactly what you’re getting. Start your engine at https://www.lendmesh.com/loans/vehicle-loans .
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Conclusion
Looking ahead, now is a smart time to lock in these favorable auto loan rates before any seasonal shifts or market changes push them higher. If you already have a vehicle loan with a higher rate, consider refinancing through credit unions like VYSTAR or Alabama One, both offering sub-4% APRs that could lower your monthly payments significantly. For motorcycle and recreational vehicle buyers, exploring specialized loans at California Coast or U.S. Eagle Credit Union can save you interest costs while tailoring financing to your lifestyle needs. Keep monitoring these rates regularly; even small drops of 10-50 basis points can add up over the life of a loan. Ultimately, being proactive and comparing offers from multiple credit unions will help you drive away with the best deal in hand and more money left in your pocket.