Introduction
Keep an eye on seasonal shifts and holiday promotions that may introduce limited-time rate reductions or special terms later this year. Additionally, if you’re exploring motorcycle or recreational loans, compare REV and ATOMIC closely to find a balance between APR and loan terms that suits your budget. Ultimately, staying informed about current rates lets you act decisively, whether that’s locking in a low-rate loan today or timing your purchase for maximum value tomorrow. Make your next vehicle investment smarter by leveraging these steady credit union rates to fit your lifestyle and financial goals perfectly.
New - Vehicle Loans
Credit Union
Product
2025-10-31
(Current Day)
(Current Day)
2025-10-24
(7 Days Ago)
(7 Days Ago)
2025-10-16
(15 Days Ago)
(15 Days Ago)
2025-10-01
(30 Days Ago)
(30 Days Ago)
2025-09-16
(45 Days Ago)
(45 Days Ago)
2025-09-01
(60 Days Ago)
(60 Days Ago)
2025-08-02
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.54
3.49 - 7.24
4.39 - 6.39▲ 90 bps
3.39 - 5.14▼ 10 bps
Auto
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.95 - 5.99▲ 45 bps
MARINE FEDERAL CREDIT UNION
As of October 31, 2025, MARINE's new auto loan rates remain steady, holding at 2.10% to 11.25% APR over the past 30 days with no changes. The consistent low starting rate provides an affordable option for members seeking new vehicle financing. For those prioritizing manageable monthly payments, exploring longer-term loans within this rate range could offer additional flexibility. Maintaining stable rates helps members plan confidently without unexpected increases. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
As of October 31, 2025, REV's new vehicle loan rates remain steady across all products compared to the past 30 days. The Auto loan APR ranges from 4.25% to 6.50%, offering competitive financing for new cars. For those seeking the lowest rates, the Other category starts as low as 2.50% APR, providing a valuable option for diverse vehicle types. Motorcycle and Recreational loans hold firm at 6.75% to 7.75% APR. Members aiming for affordability should consider longer terms to manage monthly payments effectively. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of October 31, 2025, ATOMIC’s new vehicle loan rates remain steady across all products compared to the past 30 days. Auto loans hold a competitive APR range of 5.49% to 5.83%, offering members affordable financing for new cars. For those interested in motorcycles or recreational vehicles, rates are stable at 9.50% to 9.88% and 7.99% to 9.21%, respectively. The broad Other category features rates from 2.50% up to 13.21%, accommodating diverse financing needs. Members seeking cost-effective options should consider new auto loans due to their lower APRs. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of October 31, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, showing no change over the past 30 days. This consistent rate offers members reliable affordability for financing new vehicles. For those seeking predictable monthly payments, locking in this stable rate now could be advantageous. Consider exploring different loan terms to optimize your payment plan. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of October 31, 2025, TYNDALL’s new auto loan rates remain steady, holding between 3.24% and 6.74% APR with no changes over the past 30 days. This consistent range provides members with reliable financing options for new vehicles. For those seeking affordability, the lower end of the rate spectrum offers competitive borrowing costs. Consider longer-term loans to reduce monthly payments while maintaining stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of October 31, 2025, BAXTER's new auto loan rates remain steady at 3.49% to 7.54% APR, showing no change over the past 30 days. This consistent range offers members predictable financing costs for new vehicles. For those seeking affordability, the lowest rate of 3.49% APR is a competitive option worth considering. Reviewing longer-term loan choices may help manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
INTOUCH CREDIT UNION
As of October 31, 2025, INTOUCH’s new auto loan rates remain steady at 3.49% to 3.99% APR, maintaining the most affordable option for members. The Motorcycle loan rate increased slightly to 6.49% APR from a previous low of 5.99%. Notably, the Other vehicle loans decreased from 6.49% to a current range of 5.49% to 5.99% APR, reflecting improved affordability. Similarly, Recreational loans saw a significant decline from as high as 7.49% down to 4.49% to 5.49% APR over the past week, offering better financing terms. Members seeking lower monthly payments should consider these updated rates carefully. For more details, visit https://www.itcu.org/vehicle-loans,
SHARONVIEW FEDERAL CREDIT UNION
As of October 31, 2025, SHARONVIEW’s new auto loan rates remain steady at 3.49% to 8.99% APR, showing no change over the past 30 days. This stable range offers members consistent access to affordable financing options for new vehicles. For those prioritizing budget management, consider longer-term loans to lower monthly payments while maintaining competitive rates. Monitoring these unchanged rates can help members plan vehicle purchases with confidence. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of October 31, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.25% APR, with no changes over the past 30 days. This consistency offers members reliable financing options for new vehicles without rate volatility. For members seeking affordability, the lowest rates at 3.50% APR provide competitive borrowing costs. Consider longer-term loans to manage monthly payments effectively while maintaining stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
POLISH & SLAVIC’s new auto loan rates remain steady at 3.50% to 5.99% APR over the past 30 days, offering consistent affordability for members financing new vehicles. With no recent rate increases or decreases, now is a good time to consider your options. Explore longer-term loans to lower monthly payments if you prefer manageable budgeting. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
You’ve got places to be—and LendMesh can help you get there. Our vehicle loan platform connects you to credit unions and banks offering real deals, real support, and real-time comparisons. Start your journey at https://www.lendmesh.com/loans/vehicle_loans and drive your future forward.
Conclusion
Looking ahead, consider refinancing your current auto loan if your rate exceeds the top-tier credit union offers around 2.10% to 3.50% APR, even small drops can mean big savings over time. For those buying new or used vehicles soon, focusing on credit unions like MARINE and VYSTAR could yield the most affordable financing options available right now.