Introduction
On December 3, 2025, savvy vehicle shoppers can score some standout financing deals at credit unions. The lowest APR today is an ultra-competitive 1.94% on auto loans from THE GOLDEN 1, making it a prime choice for anyone eyeing a new or used car. Motorcycle enthusiasts aren’t left out either, INTUCH offers rates starting at a solid 4.49%. Noticeably, THE GOLDEN 1 has trimmed its auto loan rates from a minimum of 5.49% just a week ago down to 1.94% now, a significant drop that could mean big savings over your loan term. While some credit unions like MARINE hold steady with wide rate ranges, others such as DEL NORTE have eased their entry-level auto rates by over 100 basis points compared to last month. Whether you’re shopping for a family car, your first bike, or an RV, today’s market presents clear opportunities to lock in favorable terms before rates potentially rise again.
Used - Vehicle Loans
Credit Union
Product
2025-12-03
(Current Day)
(Current Day)
2025-11-26
(7 Days Ago)
(7 Days Ago)
2025-11-18
(15 Days Ago)
(15 Days Ago)
2025-11-03
(30 Days Ago)
(30 Days Ago)
2025-10-19
(45 Days Ago)
(45 Days Ago)
2025-10-04
(60 Days Ago)
(60 Days Ago)
2025-09-04
(90 Days Ago)
(90 Days Ago)
2025-06-06
(180 Days Ago)
(180 Days Ago)
Auto
1.94 - 5.24
5.49▲ 355 bps
5.49 - 6.94▲ 355 bps
5.24 - 5.94▲ 330 bps
5.64 - 5.94▲ 370 bps
5.64 - 5.94▲ 370 bps
6.04 - 6.94▲ 410 bps
6.19▲ 425 bps
Auto
2.99 - 12.64
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
6.19 - 12.64▲ 320 bps
6.19 - 12.64▲ 320 bps
Auto
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
3.24 - 7.24
Auto
3.49 - 18.00
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
Auto
3.50 - 6.75
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
THE GOLDEN 1 CREDIT UNION
Used auto loan rates at THE GOLDEN 1 have significantly improved, now ranging from 1.94% to 5.24% APR, down from a high of 6.94% fifteen days ago. This marks a notable drop, offering members more affordable financing options for used vehicles. The current low-end rate near 2% provides strong value for cost-conscious borrowers. Consider shorter-term loans to take advantage of the lowest rates and reduce interest paid over time. For more details, visit https://www.golden1.com/credit-cards-loans/auto-loans.
MARINE FEDERAL CREDIT UNION
For December 3, 2025, MARINE’s used auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This consistency provides members with reliable financing options for used vehicles without rate fluctuations. The lowest APR of 2.10% offers strong value for borrowers seeking affordable financing. Members considering used auto loans may want to evaluate term lengths to balance monthly payments and total interest effectively. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week, with Auto loans holding at 5.49 - 5.83% APR and Motorcycle loans steady at 9.50 - 9.88% APR over the past 30 days. The Other vehicle category continues to offer the widest range from 2.50 to 13.21% APR, presenting options for varied credit profiles. Recreational vehicle loans stay consistent between 7.99 and 9.21% APR. For members seeking affordability, the Auto and Other loan programs provide competitive rates; consider reviewing term lengths to manage monthly payments effectively. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
REV FEDERAL CREDIT UNION
As of December 3, 2025, used vehicle loan rates at REV remain stable across all programs compared to the past 30 days. The Other loan category offers the most affordable starting rate at 2.50% APR, with no recent increases. Auto loans hold steady between 4.75% and 6.50% APR, while Motorcycle loans range from 6.75% to 7.25%. Recreational loans remain fixed at 7.75%. Members seeking lower rates should consider the Other loan option for flexibility and savings. For more details, visit https://www.revfcu.com/rates/.
VYSTAR CREDIT UNION
As of December 3, 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 an affordable option for financing used vehicles without recent fluctuations. Consider locking in this stable rate now to secure predictable monthly payments. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
Used auto loan rates at DEL NORTE have improved significantly, dropping from 3.99% to 2.99% APR over the past week, offering members more affordable financing options. Motorcycle and recreational loans remain steady, with rates at 7.49% to 8.49% APR and 8.24% to 9.24% APR, respectively. For members seeking lower monthly payments, exploring longer-term used auto loans could be beneficial given the recent rate decline. These competitive rates enhance affordability for used vehicles, supporting smarter borrowing decisions. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
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 provide an affordable entry point for those seeking used vehicles. Consider shorter-term loans if you want to minimize interest paid over time, or explore longer terms to reduce monthly payments. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of December 3, 2025, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, unchanged over the past week but down from 3.99% fifteen and thirty days ago. This stability at a lower starting rate offers members affordable financing options for used vehicles. Consider shorter terms to secure the lowest APRs and reduce interest costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
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, providing consistent affordability for members financing pre-owned vehicles. With no rate increases or decreases, this stability supports clear budgeting. For members seeking manageable payments, exploring longer-term loan options may offer additional flexibility. To review current terms and plan your financing, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH remain competitive this week. Auto loans hold steady between 3.74% and 3.99% APR, maintaining the lowest range over the past month. Motorcycle rates improved significantly, dropping from 6.49% to a current 4.49%-5.99% range, offering better value for riders. Recreational loans also saw a notable decrease, now at 4.49%-5.49% APR, down from 6.49% a month ago. Meanwhile, Other vehicle loans narrowed their range to 4.99%-5.99%, improving affordability compared to two weeks ago. Members seeking cost-effective financing should consider these lower-rate options and evaluate term lengths for optimal monthly payments. For more details, visit https://www.itcu.org/vehicle-loans,
LendMesh
That new car smell? It pairs best with a smart loan. LendMesh helps you avoid overpaying by showing vehicle loan options side-by-side—so you can find a deal that’s just as satisfying as your new ride. Compare now at https://www.lendmesh.com/loans/vehicle_loans and enjoy the journey ahead.
Conclusion
Looking ahead, now is an excellent time to consider refinancing existing vehicle loans if you haven’t checked your current rate recently, especially if your loan started when rates were higher. For buyers ready to commit, seizing the low-end offers like THE GOLDEN 1’s 1.94% auto loan can save thousands in interest over time. Keep an eye on credit union rate trends; gradual shifts suggest lenders are responding to market changes but remain competitive for quality borrowers. If you’re flexible on timing and type of vehicle, comparing motorcycle and recreational loan options at places like INTUCH and REV could unlock added value. Ultimately, being proactive by researching and applying early will put you in the driver’s seat for the best financing deal possible this season.