Introduction
On November 5, 2025, savvy vehicle shoppers can tap into some standout financing opportunities across credit unions. The lowest APR available today is an ultra-competitive 2.10% for auto loans at Marine Credit Union, making it an excellent choice for those looking to save on interest. Motorcycle enthusiasts will find solid options too, with rates as low as 6.49% at INTOUCH and 6.75% at REV, ensuring affordable rides are within reach. Notably, REV’s auto loan rates have tightened recently, dropping from a previous high of 6.75% to a current maximum of 6.50%, a welcome shift for buyers eyeing mid-range financing. While most credit unions held steady over the past week, INTOUCH’s auto loan upper rate rose by 125 basis points to 5.74%, signaling some movement worth watching if you’re planning ahead. Whether you’re shopping for a family car or your next motorcycle adventure, today’s rates offer plenty of room to lock in favorable terms and stretch your budget further.
Used - Vehicle Loans
Credit Union
Product
2025-11-05
(Current Day)
(Current Day)
2025-10-29
(7 Days Ago)
(7 Days Ago)
2025-10-21
(15 Days Ago)
(15 Days Ago)
2025-10-06
(30 Days Ago)
(30 Days Ago)
2025-09-21
(45 Days Ago)
(45 Days Ago)
2025-09-06
(60 Days Ago)
(60 Days Ago)
Auto
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
3.95 - 6.75▲ 45 bps
MARINE FEDERAL CREDIT UNION
As of November 5, 2025, MARINE’s Used Auto loan rates remain stable at 2.10% to 11.15% APR, showing a slight decrease at the upper end from 11.25% last week. This minor improvement offers members more affordable financing options for used vehicles. Focus on loans near the lower APR range of 2.10% to maximize savings. For members prioritizing manageable payments, exploring longer-term used auto loans could provide better budgeting flexibility. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week, with Auto loans holding at 5.49% to 5.83% APR and Motorcycle loans stable between 9.50% and 9.88% APR over the past 30 days. The broad range of the Other loan category (2.50% to 13.21% APR) offers flexibility depending on member credit profiles. For those seeking mid-range financing, Recreational loans maintain rates from 7.99% to 9.21% APR. Members should consider longer terms to potentially lower monthly payments while locking in consistent rates. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV remain stable over the past 30 days. Auto loans range from 4.75% to 6.50% APR, improving slightly from last week’s 5.00% to 6.75%. Motorcycle loans hold steady at 6.75% to 7.25% APR with no changes. The Other vehicle loan category offers a wide range, 2.50% to 14.50% APR, consistent for three weeks. For those seeking the lowest rates, Other loans start as low as 2.50% APR, while auto loans provide competitive mid-range options. Consider longer terms for more manageable payments. For more details, visit https://www.revfcu.com/rates/.
TYNDALL FEDERAL CREDIT UNION
As of November 5, 2025, TYNDALL’s Used Auto Loan rates remain steady, ranging from 3.24% to 7.24% APR with no changes over the past 30 days. This stability offers members consistent financing costs when purchasing used vehicles. For those seeking affordable options, the lower end at 3.24% APR presents a competitive choice. Review longer-term loans if you want to lower monthly payments while maintaining rate stability. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHARONVIEW FEDERAL CREDIT UNION
As of November 5, 2025, SHARONVIEW’s used auto loan rates remain steady at 3.49% to 8.99% APR, showing no change over the past 30 days. This consistent rate range provides members with predictable financing costs for used vehicles. For those seeking lower monthly payments, exploring longer-term loans may offer additional affordability. Staying informed on rate stability can help members plan their vehicle purchases confidently. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC have remained steady at 3.50% to 6.75% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This stability supports predictable budgeting without unexpected rate increases. Members seeking lower monthly payments should consider longer-term loans where available to optimize cash flow. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE have improved slightly, with the APR range narrowing to 3.74% - 9.79% from 3.99% - 9.79% seven and fifteen days ago. This reflects a modest drop at the lower end, offering members more affordable financing options for used vehicles. For members seeking cost-effective borrowing, consider loans closer to the 3.74% APR. Reviewing different term lengths may help optimize monthly payments without increasing overall costs. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees,
INTOUCH CREDIT UNION
Used Auto loan rates at INTOUCH remain steady at 3.74% to 5.74% APR, showing stability since 7 days ago but a slight increase from 15 days ago. Motorcycle loans rose significantly, now between 6.49% and 6.99% APR, up about 1 percentage point over the past week. The Other and Recreational vehicle loans also increased, with ranges of 5.99% to 8.24% and 5.49% to 6.99% APR, respectively, marking notable jumps since last week. For members seeking the most affordable financing, used auto loans offer the lowest rates today. Consider checking longer terms for lower monthly payments if budgeting is a priority. For more details, visit https://www.itcu.org/vehicle-loans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
Used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain stable at 3.75% to 7.25% APR, unchanged over the past 30 days. This consistency offers members predictable financing options for used vehicles. For those seeking affordability, the lower end of this range represents competitive pricing in today’s market. Consider checking longer-term loan terms if you want to manage monthly payments effectively while maintaining a reasonable rate. For more details, visit https://www.uoficreditunion.org/rates/.
FIVEPOINT CREDIT UNION
As of November 5, 2025, FIVEPOINT’s used auto loan rates have decreased at the lower end from 4.25% to 3.75% APR over the past week, while the upper range remains steady at 16.75%. This drop provides members with more affordable financing options for used vehicles. Consider shorter loan terms to take advantage of lower rates and reduce interest costs. For a full rate overview, visit https://www.5pointcu.org/rates-(1)/#autoloans.
LendMesh
Before you head to the dealership, check your rates on LendMesh. You’ll walk in with confidence—and likely save money. We connect you with banks and credit unions offering pre-approval and flexible terms on vehicle loans. See what’s possible at https://www.lendmesh.com/loans/vehicle_loans and skip the guesswork.
Conclusion
Looking ahead, now is a smart time to consider locking in low rates like Marine’s 2.10% APR before any seasonal shifts impact pricing. If you already have a loan, exploring refinancing could cut your monthly payments, especially if your current rate exceeds today’s best deals. For motorcycle buyers or those interested in recreational vehicles, staying alert to small weekly changes at credit unions like INTOUCH and REV can yield cost-saving advantages. Planning your purchase around stable or improving rates means you’ll get more vehicle for less money over the life of the loan. Ultimately, keeping an eye on these credit union trends empowers you to make informed decisions that protect your wallet while getting you behind the wheel or handlebars with confidence.