Introduction
On November 14, 2025, savvy vehicle buyers have plenty of reasons to be optimistic about financing options. The lowest auto loan rate today is an impressive 2.10% APR at Marine Credit Union, making it an excellent choice for anyone looking to save on their next car purchase. Motorcycle enthusiasts should also note REV Credit Union’s steady motorcycle rates at 6.75% to 7.25% APR, offering competitive financing without fluctuations over the past month. Among notable changes, VYSTAR’s auto loan rate dropped sharply from a range of 5.44%-8.59% just a week ago to a flat 2.94% APR today, presenting a rare opportunity for low-cost borrowing. Meanwhile, INTOUCH Credit Union saw its motorcycle rates ease slightly from 5.49%-6.49% down to 4.99%-6.49% APR, which could benefit riders ready to upgrade or refinance. Whether you’re eyeing a family SUV or your first bike, keeping an eye on these dynamic shifts can help you lock in the best possible deal.
New - Vehicle Loans
Credit Union
Product
2025-11-14
(Current Day)
(Current Day)
2025-11-07
(7 Days Ago)
(7 Days Ago)
2025-10-30
(15 Days Ago)
(15 Days Ago)
2025-10-15
(30 Days Ago)
(30 Days Ago)
2025-09-30
(45 Days Ago)
(45 Days Ago)
2025-09-15
(60 Days Ago)
(60 Days Ago)
2025-08-16
(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 - 7.54
3.49 - 7.24
4.39 - 6.39▲ 90 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 14, 2025, MARINE’s new auto loan APRs remain steady between 2.10% and 11.15%, showing no change over the past week and a slight improvement from 11.25% fifteen and thirty days ago. This stability at the lower end offers members access to affordable financing for new vehicles. Consider exploring longer-term options if you want to manage monthly payments effectively while benefiting from competitive rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of November 14, 2025, REV’s new vehicle loan rates remain steady across all products compared to the past month. The Auto loan APR holds at 4.00 - 6.25%, unchanged from a slight decrease 15 days ago. The Motorcycle rate stays consistent at 6.75 - 7.25%, while the Recreational loan remains fixed at 7.75%. Notably, the Other vehicle loan’s upper rate significantly dropped from 14.50% to 6.75% over the last 15 days, offering members more affordable financing options in this category. Consider longer-term loans for potentially lower monthly payments and manageable rates. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of November 14, 2025, ATOMIC's new vehicle loan rates remain steady across all products. Auto loans hold firm between 5.49% and 5.83% APR, providing a reliable option for members financing new cars. The Motorcycle loan range is unchanged at 9.50% to 9.88% APR, while Recreational loans stay at 7.99% to 9.21% APR. Notably, the Other loan category offers the widest range from 2.50% up to 13.21% APR, accommodating diverse member needs. For those seeking affordability, focusing on auto loans provides consistent value with competitive rates. Consider your budget and term length when selecting your loan product. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of November 14, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, unchanged over the past 30 days. This rate reflects a significant drop from the 5.44% to 8.59% range seen just one week ago, offering members an affordable financing option for new vehicles. Members seeking lower monthly payments should consider longer-term loans at this competitive rate. Staying informed on these trends can help optimize your vehicle financing decisions. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of November 14, 2025, TYNDALL’s new auto loan APRs remain steady at 3.24% to 6.74%, showing no change over the past 30 days. This stable range offers members consistent financing costs for new vehicles. For those seeking affordability, the lower end of the APR spectrum presents a competitive option. Consider evaluating longer-term loans to balance monthly payments without compromising rate benefits. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHARONVIEW FEDERAL CREDIT UNION
As of November 14, 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 rate environment offers members consistent access to affordable financing for new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide additional savings. Maintaining competitive rates helps members plan their vehicle purchases with confidence. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
INTOUCH CREDIT UNION
New vehicle loan rates at INTOUCH remain mostly stable this week. Auto loans hold steady between 3.49% and 5.24% APR, continuing to offer the most affordable financing option. Notably, Motorcycle loan rates decreased from 5.49%-6.49% to 4.99%-6.49% APR over the past week, providing better value for riders. Meanwhile, Other vehicle loans rose slightly to 5.99% APR, reversing earlier declines. Members seeking budget-friendly options should consider new auto loans or recreational loans at 4.49%-5.49% APR for competitive terms. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
BAXTER’s new auto loan rates remain steady at 3.49% to 7.54% APR, unchanged over the past 30 days. This consistency offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordability, the lower end of the range at 3.49% APR presents the most cost-effective borrowing choice. Consider longer-term loans to manage monthly payments while securing competitive rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
New auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady at 3.50% to 7.25% APR over the past 30 days. This consistency offers reliable financing for members seeking new vehicles with competitive rates. For those prioritizing affordability, the lower end of this range represents excellent value. Consider exploring longer-term loan options to reduce monthly payments without increasing your rate risk. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of November 14, 2025, new auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 5.99% APR, unchanged over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. For those seeking affordable financing, the stable low end at 3.50% APR provides a competitive option. Consider exploring longer-term loans to manage monthly payments effectively while locking in these rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
Whether you’re dreaming of your first car or your tenth, LendMesh helps you get behind the wheel without overspending. Our platform lets you shop and compare vehicle loans without the usual pressure. Ready to shift gears? Visit https://www.lendmesh.com/loans/vehicle_loans today.
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Conclusion
Looking ahead, it’s wise to consider whether now is the time to refinance existing loans or finance a new purchase. With credit unions like Marine and VYSTAR offering standout low rates under 3%, refinancing your current auto loan could significantly reduce your monthly payments and overall interest costs. For motorcycle buyers, the stable but competitive rates at REV and INTOUCH suggest steady financing conditions, ideal if you want predictability when budgeting your ride upgrade. Keep monitoring weekly rate movements since credit unions can adjust offers quickly, as seen with VYSTAR’s recent dip. Ultimately, prioritizing credit unions with consistently low and stable APRs will maximize your savings and make your vehicle financing experience smooth and affordable.