Introduction
If you’re shopping for a vehicle or motorcycle today, October 17, 2025, credit unions are offering some compelling financing options to help you save. The standout deal is from MARINE Credit Union, featuring an impressively low auto loan APR starting at 2.10%, perfect for buyers prioritizing affordability. VYSTAR’s steady 2.94% auto rate also holds strong, offering consistency for those who want predictable payments. Motorcycle enthusiasts should check out REV’s competitive rates starting at 6.75% and INTOUCH’s fixed 5.99%, making it easier than ever to hit the road on two wheels without breaking the bank. While most rates have stayed stable over the past month, Baxter Credit Union shows a slight improvement on its auto loan floor rate by 30 basis points from 7.54% down to 7.24%, signaling good news if you’re considering a larger or longer-term loan. Whether you’re eyeing a family SUV or your first motorcycle, these credit union rates provide solid opportunities to lock in low APRs and stretch your budget further.
New - Vehicle Loans
Credit Union
Product
2025-10-17
(Current Day)
(Current Day)
2025-10-10
(7 Days Ago)
(7 Days Ago)
2025-10-02
(15 Days Ago)
(15 Days Ago)
2025-09-17
(30 Days Ago)
(30 Days Ago)
2025-09-02
(45 Days Ago)
(45 Days Ago)
2025-08-18
(60 Days Ago)
(60 Days Ago)
2025-07-19
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.24
4.39 - 6.39▲ 90 bps
3.64 - 5.99▲ 15 bps
3.64 - 6.44▲ 15 bps
MARINE FEDERAL CREDIT UNION
As of October 17, 2025, MARINE’s new auto loan rates range from 2.10% to 11.25% APR, with no prior data available for comparison. This broad rate spectrum offers options for members with varying credit profiles. For those seeking affordability, the lowest rates near 2.10% APR present valuable financing opportunities. Members considering a new vehicle purchase should explore shorter-term loans to potentially secure the best rates and lower total interest costs. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of October 17, 2025, new vehicle loan rates at ATOMIC credit union are introduced with no prior data for direct comparison. Auto loans range from 5.49% to 5.83% APR, offering a competitive option for members financing new cars. The most affordable rates appear in the Other vehicle category at 2.50% to 13.21% APR, reflecting varied product types. Motorcycle loans start at 9.50% APR, while recreational vehicle loans range from 7.99% to 9.21% APR. Members seeking lower monthly payments should consider these current rates carefully and explore longer terms if available. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
REV FEDERAL CREDIT UNION
As of October 17, 2025, REV’s new vehicle loan rates are stable with no available prior data for comparison. New Auto loans range from 4.25% to 6.50% APR, offering competitive financing for members purchasing cars. The most affordable option is the Other vehicle loan at 2.50% APR, ideal for unique financing needs. Motorcycle loans hold steady between 6.75% and 7.25% APR, while Recreational vehicle loans are fixed at 7.75% APR. Members seeking lower payments should consider longer terms where available. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of October 17, 2025, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent rate offers members reliable affordability for financing new vehicles. For those seeking manageable monthly payments, consider exploring various term lengths to balance cost and budget. The stable rate environment supports confident borrowing decisions without sudden increases. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of October 17, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.74% APR, showing no change over the past 30 days. This consistent range offers members reliable financing options without rate fluctuations. For those seeking affordable monthly payments, exploring longer-term loans within this stable rate environment can be advantageous. Maintaining steady rates supports clear budgeting and financial planning for new vehicle purchases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
MAGNIFI FINANCIAL CREDIT UNION
As of October 17, 2025, MAGNIFI FINANCIAL’s new auto loan rates range from 3.40% to 5.99% APR, offering competitive financing for new vehicles. The recreational vehicle loans hold rates between 4.74% and 7.85% APR. With no prior data available, these current rates provide a clear benchmark for members seeking affordable options. Members looking to reduce monthly payments should consider longer-term loans within these rate ranges to balance cost and affordability. For more details, visit https://mymagnifi.org/loans/auto-loans.html?_gl=1*12wmyx7*_gcl_au*MjEyNTg5MDgyNi4xNzU3ODgzODg0*_ga*NTE5Mzc0MzA3LjE3NTc4ODM4ODQ.*_ga_PMRGPHH9G2*czE3NTc4ODM4ODQkbzEkZzAkdDE3NTc4ODM4ODQkajYwJGwwJGgw
SHARONVIEW FEDERAL CREDIT UNION
As of October 17, 2025, SHARONVIEW’s new auto loan rates range from 3.49% to 8.99% APR, with no previous data available for comparison. The lower end represents the most affordable financing option for members seeking new vehicles. To optimize your budget, consider loan terms that balance interest rates and monthly payments. For detailed rate information and updates, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
INTOUCH CREDIT UNION
As of October 17, 2025, INTOUCH offers competitive new vehicle loan rates with Auto loans ranging from 3.49% to 3.99% APR, the most affordable option for members financing new vehicles. Recreational loans are at 5.49% APR, followed by Motorcycle loans at 5.99% APR, and Other vehicle loans at 6.49% APR. Since there is no prior data available, no rate movement can be identified this period. Members seeking lower monthly payments should consider longer-term Auto loan options to maximize affordability. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
BAXTER’s new auto loan rates remain steady at 3.49% to 7.54% APR, unchanged over the past 15 and 7 days, though slightly higher than the 3.49% to 7.24% APR seen 30 days ago. Members seeking affordability will find competitive rates at the lower end of this range. For those prioritizing manageable monthly payments, consider longer-term loan options within these rates. Consistent pricing supports informed borrowing decisions. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 17, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady with an APR range of 3.50% to 7.25%, as no prior data is available for comparison. The lower end of this range represents a competitive option for members seeking affordable financing on new vehicles. Consider longer-term loans to potentially reduce monthly payments while locking in these stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle_loans and apply with confidence.
Conclusion
Looking ahead, now is an excellent time to explore refinancing if your current vehicle loan APR is above the low rates credit unions are offering today, especially if you finance through MARINE or VYSTAR with their standout auto loan deals. For new buyers, act quickly to secure these low fixed rates before market shifts occur; locking in today’s APR can save hundreds over the life of your loan. Motorcycle and recreational vehicle buyers should also compare offers closely, as programs like INTOUCH and REV provide specialized rates that could better fit your lifestyle needs. Keep monitoring monthly rate updates from your preferred credit union and consider combining good credit with a strong down payment to maximize savings on your next ride or family vehicle purchase.