Introduction
On November 21, 2025, vehicle shoppers have some excellent financing options to consider. If you’re hunting for the lowest APR, Marine Credit Union leads with an unbeatable auto loan rate starting at just 2.10%, perfect for buyers aiming to save on interest. Motorcycle enthusiasts can find competitive deals too, with REV Credit Union offering rates as low as 6.75%. Notably, rates have remained stable over the past month at most credit unions, but INTOUCH saw a slight tightening in their motorcycle loans, dropping from 5.99% to a current range of 4.49% to 7.49%, which could be a smart time for riders to lock in financing. Families and recreational vehicle buyers will appreciate consistent offerings from REV and ATOMIC credit unions, with rates steady around 7.75% to 9.21%. Whether you’re shopping for a car, bike, or RV, today’s data suggests it’s a solid moment to explore credit union loans where low rates mean more savings in your pocket.
New - Vehicle Loans
Credit Union
Product
2025-11-21
(Current Day)
(Current Day)
2025-11-14
(7 Days Ago)
(7 Days Ago)
2025-11-06
(15 Days Ago)
(15 Days Ago)
2025-10-22
(30 Days Ago)
(30 Days Ago)
2025-10-07
(45 Days Ago)
(45 Days Ago)
2025-09-22
(60 Days Ago)
(60 Days Ago)
2025-08-23
(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
3.64 - 5.99▲ 15 bps
Auto
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.50 - 5.99
3.95 - 5.99▲ 45 bps
MARINE FEDERAL CREDIT UNION
As of November 21, 2025, MARINE’s new auto loan rates remain steady, ranging from 2.10% to 11.15% APR, unchanged over the past 7 and 15 days and slightly improved from 11.25% APR 30 days ago. This stability offers consistent affordability for members financing new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide additional savings. Monitoring these rates can help members time their financing decisions effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
As of November 21, 2025, new auto loan rates at REV remain steady between 4.00% and 6.25%, unchanged over the past 15 days but down from 4.25%, 6.50% a month ago. The Other vehicle loan category offers the most affordable starting APR at 2.50%, maintaining this low rate for three weeks after a significant drop from 14.50% one month ago. Motorcycle and recreational loans have held firm with no rate changes recently. For members seeking lower monthly payments, consider exploring longer-term options within these stable rate ranges. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of November 21, 2025, ATOMIC’s new vehicle loan rates remain steady across all categories with no changes over the past 30 days. New Auto loans hold at 5.49% to 5.83% APR, offering consistent affordability for members financing new cars. The broad Other vehicle loan range (2.50% to 13.21%) provides flexible options depending on credit and loan terms. For members seeking recreational vehicles, rates are stable between 7.99% and 9.21% APR. Consider evaluating loan terms carefully to optimize monthly payments and total interest costs based on your financial goals. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of November 21, 2025, VYSTAR's new auto loan rate remains steady at 2.94% APR, showing no change over the past 30 days. This consistent rate offers members reliable affordability for financing new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility. Maintaining a stable, low APR supports members in budgeting effectively without unexpected increases. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of November 21, 2025, TYNDALL's new auto loan rates remain steady between 3.24% and 6.74% APR, showing no change over the past 30 days. This consistent rate range offers members a reliable option for financing new vehicles at competitive terms. For those seeking to manage monthly payments effectively, exploring longer loan terms may provide additional flexibility. Maintaining stable rates supports informed borrowing decisions without surprises in financing costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
INTOUCH CREDIT UNION
As of November 21, 2025, new auto loan rates at INTOUCH remain steady, holding at 3.49 - 3.99% APR for today and the past week, with a notable drop from a 5.24% high fifteen days ago. Motorcycle loans increased on the upper end to 7.49% APR, up from 6.49% last week, signaling tighter rates in this category. The Other vehicle loan range widened to 4.99 - 6.49%, rising compared to recent lower bounds. Recreational loan rates remain stable at 4.49 - 5.49% APR, offering consistent affordability. Members seeking lower payments should consider locking in current auto rates promptly.
For more details, visit https://www.itcu.org/vehicle-loans.
SHARONVIEW FEDERAL CREDIT UNION
SHARONVIEW's new auto loan rates remain steady at 3.49% to 9.24% APR, with a slight increase in the upper range compared to 7 and 15 days ago, where it was capped at 8.99%. The base rate holding firm at 3.49% offers members affordable financing for new vehicles. For those seeking predictable payments, consider longer-term loans to manage monthly costs effectively. Monitoring these rates can help you time your financing decisions wisely. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
BAXTER CREDIT UNION
As of November 21, 2025, BAXTER’s new auto loan rates remain steady, holding at 3.49% to 7.54% APR over the past 30 days. This consistent rate range offers members predictable financing options for new vehicles. The lowest APR of 3.49% continues to provide competitive affordability for borrowers seeking cost-effective loans. For members aiming to manage monthly payments, exploring longer-term loan programs may offer additional financial flexibility. For more details, visit https://www.bcu.org/legal/rates?ids=Loans,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of November 21, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain stable at 3.50% to 7.25% APR, with no changes over the past 30 days. This consistent rate range offers predictable financing costs for members looking to purchase new vehicles. For members seeking affordable options, the lower end of the rate spectrum provides competitive financing. Review loan term lengths to optimize monthly payments and overall interest paid. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of November 21, 2025, new auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 5.99% APR, showing no change over the past 30 days. This consistent rate range offers members affordable financing options for new vehicles without recent fluctuations. Consider longer-term loans to manage monthly payments effectively if you seek lower installments. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
LendMesh
That moment when your dream car becomes your driveway car—it starts with the right financing. At LendMesh, we help you compare lenders who offer fair rates and real terms, whether you're buying new, used, or refinancing. Start today at https://www.lendmesh.com/loans/vehicle_loans and get closer to your keys.
Conclusion
Looking ahead, if you already have a vehicle loan with a higher rate, now might be an ideal time to consider refinancing, especially if your current APR is above the low single digits seen at Marine or VYSTAR Credit Unions. For new buyers, locking in these competitive rates sooner rather than later makes sense before any market shifts occur. Keep an eye on smaller fluctuations like INTOUCH’s recent motorcycle rate adjustments, they signal lenders’ responsiveness to demand that savvy borrowers can capitalize on. Lastly, don’t overlook credit unions offering broad program options; diverse products mean you can tailor financing to your exact vehicle type and budget. Stay proactive by comparing offers regularly and prepare your credit profile, that’s your best strategy for securing the most affordable terms on your next vehicle purchase or refinance move.