Introduction
As of November 7, 2025, savvy vehicle shoppers have plenty to smile about. The lowest auto loan APR is an impressive 2.10% at Marine Credit Union, offering some of the most competitive financing available today. Motorcycle enthusiasts will find attractive rates too, with REV Credit Union holding steady at 6.75% for motorcycle loans. Notably, REV’s “Other” loan program saw a dramatic drop from a high of 14.50% just 7 and 15 days ago down to a current max of 6.75%, giving buyers a new opportunity for better terms on specialty vehicles. While many credit unions like Atomic and Intouch maintain consistent rates, small weekly shifts at institutions like Intouch show room for negotiation, especially if you’re flexible on timing or loan type. Whether you’re eyeing a family SUV, a sleek motorcycle, or recreational gear, checking today’s rates can help you lock in savings on your next ride.
New - Vehicle Loans
Credit Union
Product
2025-11-07
(Current Day)
(Current Day)
2025-10-31
(7 Days Ago)
(7 Days Ago)
2025-10-23
(15 Days Ago)
(15 Days Ago)
2025-10-08
(30 Days Ago)
(30 Days Ago)
2025-09-23
(45 Days Ago)
(45 Days Ago)
2025-09-08
(60 Days Ago)
(60 Days Ago)
2025-08-09
(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
3.64 - 6.39▲ 15 bps
4.14 - 6.44▲ 65 bps
Auto
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.95 - 5.99▲ 45 bps
3.95 - 5.99▲ 45 bps
MARINE FEDERAL CREDIT UNION
For November 7, 2025, MARINE’s new auto loan rates remain steady, with APRs ranging from 2.10% to 11.15%, showing a slight improvement at the upper end compared to 7 and 15 days ago when rates reached 11.25%. This small decrease benefits members seeking competitive financing for new vehicles. The most affordable option starts at 2.10% APR, making it a valuable choice for borrowers focused on minimizing interest costs. Consider longer-term loans to manage monthly payments effectively while taking advantage of these stable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
As of November 7, 2025, ATOMIC’s new vehicle loan rates remain steady across all products with no changes over the past 30 days. The most affordable option continues to be the Other vehicle loans, offering rates from 2.50% to 13.21% APR. Auto loans are competitively priced between 5.49% and 5.83% APR. Members seeking flexibility should consider these stable rates now, as there have been no recent fluctuations. For more affordable monthly payments, exploring longer terms could provide better budgeting options. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
REV FEDERAL CREDIT UNION
As of November 7, 2025, REV’s new auto loan rates decreased slightly, now ranging from 4.00% to 6.25%, down from 4.25% to 6.50% a week ago. The Motorcycle loan rates remain steady at 6.75% to 7.25%. Notably, the Other vehicle loans offer a significant improvement, dropping from a high of 14.50% to a maximum of 6.75% today, providing excellent value for members seeking diverse financing options. The Recreational loan rate holds steady at 7.75%. Members should consider these competitive rates and review longer terms for potentially lower monthly payments. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of November 7, 2025, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past week and month. This consistent low rate offers members affordable financing for new vehicles without recent fluctuations. Members seeking cost-effective borrowing should consider locking in this competitive rate now. For longer-term planning, monitoring any future rate shifts could be beneficial to secure the best terms. Check your loan options carefully to align with your budget and repayment goals. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of November 7, 2025, TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 6.74% APR over the past 30 days with no changes. This consistent rate range offers members predictable financing costs for new vehicles. For those seeking affordable options, the lower end of this APR spectrum provides competitive borrowing costs. Consider longer-term loans if you aim to reduce monthly payments without rate increases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of November 7, 2025, BAXTER’s new auto loan rates remain steady between 3.49% and 7.54% APR, showing no change over the past 30 days. This consistency offers members reliable financing options with competitive rates for new vehicle purchases. For those seeking affordability, the lower end at 3.49% APR provides strong value. Consider longer-term loans to balance monthly payments with interest costs effectively. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHARONVIEW FEDERAL CREDIT UNION
SHARONVIEW’s new auto loan rates remain steady between 3.49% and 8.99% APR over the past 30 days, offering consistent affordability for members financing new vehicles. The stable rates provide reliable options for budgeting your purchase without unexpected increases. For those seeking manageable monthly payments, consider exploring longer-term loans within this range to balance cost and cash flow effectively. Maintaining these competitive rates supports member access to new vehicle financing with transparency and predictability. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
INTOUCH CREDIT UNION
For new vehicle loans at INTOUCH, Auto loan rates remain steady at 3.49 - 5.24% APR, maintaining their position as the most affordable option for members. Meanwhile, Motorcycle rates decreased slightly to 5.49 - 6.49% APR compared to last week’s high of 6.49%. The Recreational loan range improved from 5.49 - 7.49% down to 4.49 - 5.49% APR, offering better value than two weeks ago. The Other vehicle category saw a modest increase to 5.99% APR from a previous low of 5.49%. For lower monthly payments, consider longer-term loans within these competitive rates. For more details, visit https://www.itcu.org/vehicle-loans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of November 7, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.25% APR, unchanged over the past 30 days. This consistent range offers members predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of this rate spectrum represents strong value. Consider longer-term loans to manage monthly payments while securing these stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of November 7, 2025, new auto loan rates at POLISH & SLAVIC remain stable, holding steady between 3.50% and 5.99% APR over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of this range represents the most cost-effective borrowing option. Consider longer-term loans to manage monthly payments effectively while securing competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
Life moves fast—and so should your loan approval. LendMesh helps you access vehicle loans with quick responses and no confusion. Whether you need a car today or just want to plan ahead, start comparing rates at https://www.lendmesh.com/loans/vehicle_loans and take control of your next ride.
Conclusion
Looking ahead, consider locking in today’s low APRs if you’re planning to buy soon, especially at credit unions like Marine or REV where rates are favorable and stable. If you already have a loan with higher interest, now might be the time to explore refinancing options, dropping your rate by even a few basis points can save hundreds over the life of the loan. Keep an eye on credit unions such as Intouch and Tyandall for potential rate shifts that could further improve your deal. For families and enthusiasts alike, patience paired with research can pay off; waiting for slight rate dips or pre-approval offers could secure better monthly payments. Ultimately, staying informed and acting decisively on these competitive credit union loan programs will help you drive away with confidence and savings.