Introduction
As of November 12, 2025, car shoppers and motorcycle enthusiasts have some excellent financing options to explore. The standout deal today is from MARINE Credit Union, offering an ultra-low auto loan APR starting at just 2.10%, holding steady over the past month, perfect for families and buyers looking to save big on interest. For motorcycle loans, REV Credit Union provides competitive rates beginning at 6.75%, while those eyeing recreational vehicles can find solid deals around 7.75% with REV as well. Notably, VYSTAR’s auto loan rate dropped sharply this week from a previous range of 6.04%-8.84% down to a single rate of 2.94%, a significant move worth watching if you’re ready to buy now. Other credit unions like ATOMIC and INTOUCH maintain stable rates with slight shifts in motorcycle and recreational loans, so there’s something for every buyer profile. Whether you’re after low APRs or flexible terms, today’s market offers smart opportunities to lock in savings and drive off with confidence.
Used - Vehicle Loans
Credit Union
Product
2025-11-12
(Current Day)
(Current Day)
2025-11-05
(7 Days Ago)
(7 Days Ago)
2025-10-28
(15 Days Ago)
(15 Days Ago)
2025-10-13
(30 Days Ago)
(30 Days Ago)
2025-09-28
(45 Days Ago)
(45 Days Ago)
2025-09-13
(60 Days Ago)
(60 Days Ago)
2025-08-14
(90 Days Ago)
(90 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
Used auto loan rates at MARINE remain steady this week, holding at 2.10% to 11.15% APR, unchanged from 7 days ago and slightly improved from 15 and 30 days ago when the top rate was 11.25%. This stability benefits members seeking consistent financing costs. For those prioritizing affordability, the lowest APR of 2.10% offers competitive entry points. Consider longer-term loans to manage monthly payments effectively while maintaining favorable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this week, with Auto loans holding steady between 5.49% and 5.83% APR over the past 30 days. The most affordable range is found in the Other vehicle loans, spanning from 2.50% to 13.21% APR, offering flexibility for varied financing needs. Motorcycle loans and Recreational vehicle loans maintain consistent rates at 9.50% - 9.88% APR and 7.99% - 9.21% APR, respectively. Members seeking lower monthly payments should consider longer terms within these stable ranges to optimize affordability. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
Used auto loan rates at REV have improved, dropping from 5.00, 6.75% fifteen and thirty days ago to 4.75, 6.50% today, offering better affordability. The Other vehicle loan category shows a notable narrowing in the rate range, now 2.50, 6.75%, down from a high of 14.50% two weeks ago, providing potential savings for diverse vehicle types. Rates for Motorcycle and Recreational loans remain steady, with motorcycles at 6.75, 7.25% and recreational vehicles fixed at 7.75%. Consider longer-term loans to optimize monthly payments while locking in current rates. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of November 12, 2025, VYSTAR’s Used Auto Loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent low rate offers members affordable financing without recent fluctuations. Members seeking cost-effective used vehicle financing can benefit from locking in this competitive rate now. For those prioritizing lower monthly payments, exploring longer-term loan options could provide additional budgeting flexibility. Monitor rates regularly to secure the best possible terms. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
For November 12, 2025, TYNDALL’s used auto loan rates remain steady at 3.24% to 7.24% APR, with no changes over the past 30 days. This consistency provides members reliable financing options for used vehicles. Members seeking affordability should consider loans near the lower end of this range. Explore longer-term loan options to potentially lower monthly payments while maintaining a competitive rate. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHARONVIEW FEDERAL CREDIT UNION
As of November 12, 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 stable rate range offers members consistent financing options for used vehicles without recent fluctuations. For those seeking affordable borrowing, the 3.49% lower APR end provides competitive value. Consider loan terms that fit your budget to manage monthly payments effectively. 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 remain steady at 3.50% to 6.75% APR over the past 30 days, reflecting stable financing costs for members. This consistent range offers reliable affordability for used vehicle purchases without recent rate fluctuations. Members seeking predictable monthly payments should consider locking in these rates promptly. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH show mixed trends this week. Used Auto loans remain steady at 3.74% to 4.49% APR, holding the lowest rates and continuing to offer strong value for members seeking affordability. Motorcycle loan rates decreased significantly from 6.49% to a range of 4.99% to 6.49% APR, presenting an opportunity for better financing terms. Meanwhile, Recreational loan rates improved notably, dropping from 7.49% to 4.49% to 5.49% APR over the past 15 days. Members should consider locking in current low rates on used autos or recreational vehicles for cost savings. For more details, visit https://www.itcu.org/vehicle-loans,
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady today, holding at 3.74% to 9.79% APR, unchanged from one week ago but slightly improved from 15 and 30 days ago when the low end was 3.99%. This stable low rate range offers members affordable financing options for used vehicles. Consider locking in current rates soon, as they have shown minor fluctuation recently. For those prioritizing manageable payments, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
Used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady at 3.75% to 7.25% APR over the past 30 days, showing no fluctuations. This consistency offers members reliable financing options without rate increases. For those seeking affordable vehicle financing, the used auto loan presents a competitive range. Consider longer-term loans if you want to manage monthly payments effectively while maintaining stable rates. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Refinancing your vehicle loan could save you hundreds—or even thousands—over the life of your loan. LendMesh makes it easy to compare refinance offers from trusted credit unions and banks. If you’re looking for lower payments or better terms, visit https://www.lendmesh.com/loans/vehicle_loans today.
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Conclusion
Looking ahead, now is a smart time to evaluate your vehicle financing options closely. If you already have a loan with a higher interest rate, consider refinancing at credit unions like MARINE or VYSTAR to capture those low APRs and reduce your monthly payments. For new buyers, locking in rates near or below 3% on auto loans could mean substantial long-term savings, especially as some lenders show signs of tightening their ranges again. Motorcycle and recreational vehicle buyers should monitor small weekly changes at REV and INTOUCH for potential dips that could improve affordability. Finally, keep an eye on credit union updates; rates can shift quickly but often reward prepared borrowers who act decisively. With the right timing and lender choice, you can maximize your budget and get behind the wheel without overpaying on financing costs.