Introduction
On November 28, 2025, savvy car shoppers and motorcycle enthusiasts can take advantage of some standout vehicle financing rates at credit unions. The lowest APR for auto loans is an impressive 2.10% at Marine Credit Union, offering a great opportunity to save on your next car purchase. Vystar also holds a solid fixed rate at 2.94% for auto loans, while REV Credit Union features competitive motorcycle loan rates starting at 6.75%. Notably, Shell Credit Union’s auto loan upper range saw a slight dip this week from 3.99% to 3.49%, presenting more flexible options for buyers with varied credit profiles. For those eyeing recreational vehicles or other specialty vehicles, INTOUCH offers steady rates in the 4.49% to 5.99% range, holding firm after some recent fluctuations. Whether you’re shopping for a family vehicle or a weekend ride, checking these current rates can help you lock in savings and avoid paying more than you need.
New - Vehicle Loans
Credit Union
Product
2025-11-28
(Current Day)
(Current Day)
2025-11-21
(7 Days Ago)
(7 Days Ago)
2025-11-13
(15 Days Ago)
(15 Days Ago)
2025-10-29
(30 Days Ago)
(30 Days Ago)
2025-10-14
(45 Days Ago)
(45 Days Ago)
2025-09-29
(60 Days Ago)
(60 Days Ago)
2025-08-30
(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 - 7.54
4.39 - 6.39▲ 90 bps
Auto
3.49 - 18.00
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
3.99 - 18.00▲ 50 bps
Motorcycle
4.49 - 5.99
4.49 - 7.49
4.99 - 6.49▲ 50 bps
5.49 - 6.49▲ 100 bps
5.99▲ 150 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 28, 2025, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, unchanged from the past 15 days and slightly improved by 10 basis points compared to 30 days ago. This stability offers members reliable financing options for new vehicles with competitive rates. For those seeking budget flexibility, consider longer-term loans to manage monthly payments effectively. Staying informed about these consistent rates can help you plan your vehicle purchase with confidence. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
REV FEDERAL CREDIT UNION
As of November 28, 2025, new auto loan rates at REV remain stable between 4.00% and 6.25%, improving slightly from 4.25% to 6.50% a month ago. The Other vehicle loan category offers the most affordable starting APR at 2.50%, holding steady after a significant drop from 14.50% thirty days prior. Motorcycle and recreational loan rates are unchanged, with motorcycles at 6.75% to 7.25% and recreational loans fixed at 7.75%. Members seeking lower payments should consider these competitive long-term options or the low-rate Other loans for cost savings. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of November 28, 2025, ATOMIC's new vehicle loan rates remain steady across all products with no changes over the past 30 days. New Auto loans offer competitive rates between 5.49% and 5.83% APR, providing consistent affordability for members. The Other category has the widest range, from 2.50% to 13.21% APR, accommodating diverse financing needs. For those seeking recreational financing, rates stay stable at 7.99% to 9.21% APR. Members looking for lower monthly payments should consider longer-term options within these stable rate ranges. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of November 28, 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 a reliable and affordable option for financing new vehicles. For those prioritizing predictable monthly payments, locking in this stable rate could be beneficial. Monitor rates regularly to take advantage of potential future shifts in lending terms. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of November 28, 2025, TYNDALL’s new auto loan rates remain steady between 3.24% and 6.74% APR, with no changes over the past 30 days. This stability provides members consistent access to affordable financing options. For those seeking manageable monthly payments, exploring longer-term loans may offer additional flexibility without rate increases. Members should review current terms to align their budget with loan options effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of November 28, 2025, BAXTER’s new auto loan rates remain steady, holding at 3.49% to 7.54% APR over the past 30 days with no changes observed. This consistency benefits members seeking predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of the rate range offers competitive options. Consider longer-term loans to manage monthly payments effectively while locking in current rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of November 28, 2025, SHELL’s new auto loan rates have decreased at the lower end from 3.99% to 3.49% APR, marking a significant drop in borrowing costs over the past week. The upper rate remains steady at 18.00%. This shift offers members more affordable financing options for new vehicles. For those aiming to manage monthly payments effectively, exploring longer-term loans could provide additional savings. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INTOUCH CREDIT UNION
New vehicle loan rates at INTOUCH remain stable or improved this week. Auto loans hold the lowest range at 3.49% to 3.74% APR, unchanged from last week but significantly tighter than 15 and 30 days ago, when rates reached up to 5.24%. Motorcycle loans have narrowed sharply to 4.49%, 5.99% APR, down from as high as 7.49% seven days ago, offering notable savings for members. Recreational and Other vehicle loans also show modest rate improvements or stability compared to earlier periods. Consider shorter-term loans for these competitive rates and better monthly payments. 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 over the past week, with a slight increase from 8.99% to 9.24% on the upper end compared to 15 and 30 days ago. The consistent low-end rate of 3.49% APR offers members affordable financing for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide further savings. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
POLISH & SLAVIC’s new auto loan rates remain steady at 3.50% to 5.99% APR, unchanged over the past 30 days. This consistency offers members reliable financing terms for new vehicles. For those seeking affordable options, the current rate range provides competitive pricing without recent fluctuations. Consider longer-term loans if you want to lower monthly payments while maintaining these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
LendMesh
Before you take a test drive, take 2 minutes to check your loan options. LendMesh shows you competitive rates from banks and credit unions near you—no pressure, no gimmicks. Start smart at https://www.lendmesh.com/loans/vehicle_loans and drive with peace of mind.
Conclusion
Looking ahead, now is an excellent time to explore refinancing if your current loan rate is above today’s lowest offers, especially with Marine’s standout 2.10% APR on autos setting a new benchmark. For buyers ready to finance a motorcycle or recreational vehicle, consider locking in rates soon; stable but slightly rising trends suggest waiting could cost more down the line. Keep an eye on credit unions like INTOUCH and REV, which offer competitive options across multiple vehicle types and may provide personalized deals tailored to your financial profile. Taking action now by comparing credit union offers can maximize your savings and position you well whether buying new or used. Remember, small differences in APR can translate into significant dollars saved over the life of your loan, so use this snapshot as a stepping stone toward smarter vehicle financing decisions.