Introduction
As of November 19, 2025, car shoppers and motorcycle enthusiasts have some attractive financing options to consider. The lowest auto loan APR is a striking 1.00% at ABNB Credit Union, offering one of the best deals in today’s market. Motorcycle buyers will find competitive rates starting at 4.00% through AMOCO, while those interested in recreational vehicle loans can expect rates as low as 7.75% at REV Credit Union. Notably, VYSTAR’s auto loan rate held steady at a low single rate of 2.94%, after a brief spike two weeks ago, signaling stability for borrowers. Meanwhile, AMOCO saw a dramatic improvement this week, dropping from 4.39-18.00% down to an impressive 3.25-4.39% on auto loans, a significant win for buyers seeking mid-range financing options. If you’re planning your next vehicle purchase or refinancing, now is a prime moment to shop smart and lock in these favorable terms before any seasonal shifts.
Used - Vehicle Loans
Credit Union
Product
2025-11-19
(Current Day)
(Current Day)
2025-11-12
(7 Days Ago)
(7 Days Ago)
2025-11-04
(15 Days Ago)
(15 Days Ago)
2025-10-20
(30 Days Ago)
(30 Days Ago)
2025-10-05
(45 Days Ago)
(45 Days Ago)
2025-09-20
(60 Days Ago)
(60 Days Ago)
2025-08-21
(90 Days Ago)
(90 Days Ago)
Auto
1.00 - 9.24
5.19 - 6.99▲ 419 bps
5.19 - 6.99▲ 419 bps
5.19 - 6.99▲ 419 bps
Auto
3.25 - 4.39
4.39 - 18.00▲ 114 bps
4.39 - 18.00▲ 114 bps
4.39 - 18.00▲ 114 bps
4.39 - 18.00▲ 114 bps
5.14 - 18.00▲ 189 bps
Motorcycle
4.00 - 9.40
9.40 - 18.00▲ 540 bps
9.40 - 18.00▲ 540 bps
9.40 - 18.00▲ 540 bps
9.40 - 18.00▲ 540 bps
9.40 - 18.00▲ 540 bps
Other
4.50 - 9.40
9.40 - 18.00▲ 490 bps
9.40 - 18.00▲ 490 bps
9.40 - 18.00▲ 490 bps
9.40 - 18.00▲ 490 bps
9.40 - 18.00▲ 490 bps
Auto
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.95 - 6.75▲ 45 bps
ABNB FEDERAL CREDIT UNION
As of November 19, 2025, ABNB’s used auto loan rates range from 1.00% to 9.24% APR, showing a significant decrease from the steady 5.19% to 6.99% rates seen over the past 30 days. This wide rate drop offers members access to more affordable financing options for used vehicles. Members seeking lower monthly payments should consider loans with rates near 1.00% APR for maximum savings. For detailed rate information and terms, visit https://www.abnbfcu.org/rates.html.
MARINE FEDERAL CREDIT UNION
Used auto loan rates at MARINE remain steady at 2.10% to 11.15% APR, unchanged over the past 30 days. This stability offers members a consistent borrowing environment for used vehicles. For those seeking affordability, the lower end of the range at 2.10% APR represents a competitive option. Consider longer-term loans if you aim to reduce monthly payments while managing interest costs effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain stable this month, with Auto loans steady at 5.49% to 5.83% APR and Motorcycle loans holding firm between 9.50% and 9.88% APR. The Other vehicle category offers the widest range from 2.50% to 13.21% APR, providing options for diverse needs. Recreational loans maintain rates between 7.99% and 9.21% APR. Since there have been no rate changes in the past 30 days, members can confidently explore current offers. For those seeking lower monthly payments, consider longer-term loans where available to manage affordability effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
Used vehicle loan rates at REV remain mostly stable this month. Used auto loans hold steady between 4.75% and 6.50% APR, down from a high of 5.00% thirty days ago, offering more affordable financing options. The Other vehicle loan category notably narrowed its upper rate from 14.50% to 6.75%, presenting significant savings for members seeking flexible terms. Meanwhile, motorcycle and recreational loans show no change, maintaining consistent rates. Members looking to reduce monthly payments should consider longer-term loans within these stable ranges. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of November 19, 2025, VYSTAR's Used Auto Loan APR remains steady at 2.94%, unchanged over the past week and month. This consistent low rate offers strong value for members financing used vehicles. Notably, rates were higher 15 days ago, ranging from 6.04% to 8.84%, reflecting a significant recent improvement. Members seeking affordability should consider locking in this competitive rate promptly. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
Used auto loan rates at TYNDALL remain steady at 3.24% to 7.24% APR over the past 30 days, offering consistent financing options for members. The lowest rates continue to provide affordable access for used vehicle purchases without recent fluctuations. Consider longer loan terms to manage monthly payments effectively while benefiting from stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMOCO FEDERAL CREDIT UNION
Used vehicle loan rates at AMOCO have notably decreased this week. The Used Auto loan APR now ranges from 3.25% to 4.39%, down significantly from last week’s minimum of 4.39%. Similarly, Motorcycle and Other used vehicle loans dropped to as low as 4.00% and 4.50% APR, respectively, improving affordability for members. These reductions represent the most competitive rates in the past month, offering a clear opportunity for savings. Consider locking in these lower rates soon or exploring longer terms to reduce monthly payments while rates remain favorable. For more details, visit https://www.amocofcu.org/vehicle-loans/#auto-loans.
SHARONVIEW FEDERAL CREDIT UNION
SHARONVIEW’s used auto loan rates remain stable, holding steady at 3.49% to 9.24% APR today, with a slight increase at the upper end compared to last week’s 8.99%. The lowest rate of 3.49% APR continues to offer members affordable financing options for used vehicles. Members seeking manageable monthly payments should consider longer-term loans, as these can provide greater payment flexibility despite slightly higher rates. 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, offering consistent affordability for members financing used vehicles. This stability provides a reliable borrowing environment without rate increases. Members seeking manageable payments should consider these competitive used auto loan options as part of their financing strategy. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
COMMUNITY RESOURCE CREDIT UNION
As of November 19, 2025, COMMUNITY RESOURCE’s used auto loan rates remain stable, holding steady at 3.74% to 9.79% APR over the past 30 days. This consistency offers members predictable financing costs for used vehicles. The lowest rate of 3.74% APR provides an affordable option for borrowers seeking competitive terms. Members considering used auto loans should evaluate their loan term preferences and credit profile to secure the best available rate within this range. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
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Conclusion
Looking ahead, consider locking in rates soon if you’re in the market for a new or used vehicle, especially with credit unions like ABNB leading with ultra-low APRs that can save you hundreds over the life of your loan. For motorcycle owners and RV buyers, keep an eye on steady offers from AMOCO and REV respectively, these could be your best bet for affordable financing without surprises. If you currently hold higher-rate loans, it may be worthwhile to explore refinancing opportunities now, capitalizing on recent drops like those seen at AMOCO and VYSTAR. Staying proactive and regularly checking credit union rates can put you ahead when interest trends shift again. Smart timing combined with careful lender comparison remains your strongest strategy for maximizing savings on vehicle financing in the months ahead.