Introduction
As of October 24, 2025, savvy vehicle shoppers can take advantage of some standout financing offers across credit unions. If you're after the lowest APR for an auto loan, Marine Credit Union leads with an ultra-competitive 2.10% rate, perfect for those hunting the best deal on a new or used car. Motorcycle enthusiasts should note that REV Credit Union offers rates as low as 6.75%, while recreational vehicle buyers have options starting around 4.74% at Magnifi Financial. The good news? Rates have remained steady over the past week and month, meaning no sudden spikes to worry about, giving you time to shop smartly without rushing. For those looking at mid-range options, Atomic’s auto loans range from 5.49% to 5.83%, while VyStar holds firm at a solid 2.94%. With such a wide range of competitive rates available, now is an ideal moment to lock in financing and save thousands over your loan term.
New - Vehicle Loans
Credit Union
Product
2025-10-24
(Current Day)
(Current Day)
2025-10-17
(7 Days Ago)
(7 Days Ago)
2025-10-09
(15 Days Ago)
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2025-09-24
(30 Days Ago)
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2025-09-09
(45 Days Ago)
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2025-08-25
(60 Days Ago)
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2025-07-26
(90 Days Ago)
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Auto
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.24
3.64 - 6.39▲ 15 bps
3.64 - 5.99▲ 15 bps
3.64 - 6.44▲ 15 bps
MARINE FEDERAL CREDIT UNION
As of October 24, 2025, MARINE's new auto loan rates remain steady at 2.10% to 11.25% APR, showing no change from one or seven days ago. This stability offers members consistent access to affordable financing options for new vehicles. For those seeking cost-effective borrowing, the lower end of the rate range represents the most competitive option currently available. Consider longer-term loans if you want to reduce monthly payments without impacting your overall financing plan. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of October 24, 2025, ATOMIC’s new vehicle loan rates remain stable with no changes over the past week. The most affordable option is the Other vehicle loan, ranging from 2.50% to 13.21% APR, offering flexibility for varied financing needs. New auto loans hold steady between 5.49% and 5.83% APR, providing competitive rates for typical car purchases. Members seeking leisure vehicles can consider the Recreational loan at 7.99% to 9.21% APR or the Motorcycle loan at 9.50% to 9.88% APR. Review your term length options to balance monthly payments and total interest costs effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of October 24, 2025, REV's new vehicle loan rates remain steady across all products compared to the past 7 days. The Auto loan APR holds at 4.25% to 6.50%, offering competitive financing for new cars. Motorcycle loans are stable between 6.75% and 7.25%, while the broad Other category ranges from 2.50% to 14.50%, providing flexible options depending on vehicle type and credit profile. The fixed Recreational loan rate is 7.75% today. Members seeking affordability should consider Auto loans for lower rates or review longer terms to manage monthly payments effectively. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of October 24, 2025, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent low rate offers members reliable affordability when financing new vehicles. For those prioritizing predictable monthly payments, consider exploring VYSTAR’s fixed-rate new auto loans. Maintaining a stable APR supports clear budgeting without surprises. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of October 24, 2025, TYNDALL’s new auto loan rates remain stable, holding steady between 3.24% and 6.74% APR over the past 30 days. This consistent range offers members predictable financing costs for new vehicles. For those seeking to manage monthly payments, exploring longer-term loan options could provide added affordability without rate fluctuations. Members should review current terms to confirm the best fit for their budgets. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
MAGNIFI FINANCIAL CREDIT UNION
As of October 24, 2025, MAGNIFI FINANCIAL’s new vehicle loan rates remain steady with no changes over the past 7 days. New Auto loans offer competitive APRs from 3.40% to 5.99%, presenting the most affordable financing option for members seeking new vehicles. The Recreational loan rates hold at 4.74% to 7.85%, maintaining consistent terms. Members aiming for lower monthly payments should consider longer-term options within these ranges to optimize 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 24, 2025, SHARONVIEW’s new auto loan rates remain steady at 3.49% to 8.99% APR, unchanged from one and seven days ago. This consistent rate range offers members access to competitive financing without recent increases. For those seeking affordable monthly payments, exploring longer-term loan options may provide added flexibility. Maintaining stable rates supports members in budgeting their new vehicle purchases effectively. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
INTOUCH CREDIT UNION
As of October 24, 2025, INTOUCH’s new auto loan rates remain steady at 3.49% to 3.99% APR, offering the most affordable financing option for members. The motorcycle loan range widened slightly from a flat 5.99% to 5.99%-6.49% APR, while recreational and other vehicle loans saw decreases from 6.49% down to as low as 5.49% APR today. Members seeking the best value should consider new auto loans for lower rates or explore recreational loans now available at reduced rates. Check long-term options for manageable payments tailored to your budget. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
As of October 24, 2025, BAXTER’s new auto loan rates remain stable, holding steady between 3.49% and 7.54% APR over the past 30 days. While the upper range has slightly increased from 7.24% to 7.54%, the most affordable rate of 3.49% APR continues to offer members competitive financing options for new vehicles. Members seeking cost-effective loans should focus on qualifying for the lower end of this range. Reviewing loan terms carefully can help balance monthly payments and total interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 24, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.25% APR, showing no change over the past week. This stable range offers members a consistent opportunity to finance new vehicles affordably. For those seeking lower monthly payments, consider exploring longer-term loans within this rate band. Monitoring these rates regularly can help members time their financing decisions effectively. For more details, visit https://www.uoficreditunion.org/rates/.
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Conclusion
Looking ahead, consider refinancing your current vehicle loan if your rate exceeds today’s best offers, especially if you’re paying above 3%. For first-time buyers or families upgrading vehicles, locking in one of these low fixed rates could save substantial interest down the road, particularly with Marine and VyStar offering sub-3% APRs on autos. Motorcycle and recreational vehicle buyers should monitor rates closely but also explore flexible loan terms offered by Atomic and Intouch Credit Unions to match your budget and lifestyle needs. Remember, steady rates mean you have breathing room to compare lenders carefully without pressure. Whether buying new or used, start with pre-approval from credit unions showcasing these favorable terms to strengthen your negotiating power at the dealership. Staying informed and proactive will help you drive away with both a great vehicle and a great rate in hand.