Introduction
As of December 5, 2025, vehicle shoppers have plenty of attractive financing options to explore across credit unions. The lowest APR available is a remarkable 2.10% for auto loans at Marine Credit Union, holding steady over the past month, an excellent opportunity for buyers seeking affordable car financing. Motorcycle enthusiasts can find competitive rates too, with REV Credit Union offering rates starting at 6.75%, and Intouch showing some slight weekly dips in motorcycle rates, dropping from 5.99% to as low as 5.49%. Notably, Del Norte’s auto loan rates improved significantly this week, with the lowest APR falling by a full 100 basis points from 3.99% to 2.99%, making it worth a look if you’re shopping around. Whether you’re after an everyday ride or something recreational, credit unions like Atomic and REV provide varied options without rate fluctuations over the past month, ensuring stable borrowing costs. For savvy buyers ready to act, these steady and sometimes improving rates mean now is a smart time to lock in your financing and save on your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2025-12-05
(Current Day)
(Current Day)
2025-11-28
(7 Days Ago)
(7 Days Ago)
2025-11-20
(15 Days Ago)
(15 Days Ago)
2025-11-05
(30 Days Ago)
(30 Days Ago)
2025-10-21
(45 Days Ago)
(45 Days Ago)
2025-10-06
(60 Days Ago)
(60 Days Ago)
2025-09-06
(90 Days Ago)
(90 Days Ago)
Auto
2.99 - 12.64
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 bps
Auto
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
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
3.64 - 6.39▲ 15 bps
Motorcycle
5.49 - 6.74
4.49 - 5.99▼ 100 bps
4.49 - 7.49▼ 100 bps
5.49 - 6.49
5.99▲ 50 bps
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 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
Auto
3.50 - 5.99
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 December 5, 2025, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, unchanged over the past 30 days. The stable rate range provides consistent options for members seeking affordable financing on new vehicles. For those prioritizing budget-friendly monthly payments, exploring longer-term loan durations could be beneficial. Maintaining a clear understanding of current rates helps members make informed decisions without surprises. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
REV FEDERAL CREDIT UNION
As of December 5, 2025, REV’s new vehicle loan rates remain steady with no changes over the past 30 days. The most affordable option is the Other vehicle loan, offering rates from 2.50% to 6.75% APR. New auto loans hold firm at 4.00% to 6.25% APR, providing consistent financing costs for members. For those considering recreation vehicles, rates are fixed at 7.75% APR. If you want to manage monthly payments effectively, explore longer-term loans within these stable rates. For more details, visit https://www.revfcu.com/rates/.
ATOMIC CREDIT UNION
As of December 5, 2025, ATOMIC's new vehicle loan rates remain stable with no changes over the past 30 days. New auto loans hold steady between 5.49% and 5.83% APR, offering consistent affordability. For members seeking lower rates, the Other vehicle loan category presents a broad range from 2.50% to 13.21% APR, potentially accommodating diverse financing needs. The Recreational loan rates stay between 7.99% and 9.21% APR, while motorcycle loans range from 9.50% to 9.88% APR. Consider reviewing loan terms carefully; longer durations may help reduce monthly payments without rate increases. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
DEL NORTE CREDIT UNION
As of December 5, 2025, DEL NORTE’s new auto loan rates improved, dropping from 3.99% to a low of 2.99% APR, marking a significant 100 bps decrease over the past week. Rates for new motorcycle and recreational loans remained steady at 7.49%-8.49% and 8.24%-9.24%, respectively. Members seeking affordability should consider the new auto loans, now offering the most competitive rates. For those aiming to lower monthly payments, exploring longer-term loan options may provide additional savings. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
As of December 5, 2025, TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 6.74% APR for the past 30 days with no changes observed. This stability offers members consistent and affordable financing options for new vehicles. For those seeking manageable monthly payments, exploring longer-term loans may provide additional flexibility. Maintaining a fixed rate range helps members plan their budgets confidently without unexpected increases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates,
BAXTER CREDIT UNION
As of December 5, 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 provides a reliable option for members seeking affordable financing on new vehicles. For those prioritizing lower monthly payments, consider exploring longer-term loan options within this rate range. The lowest rates at 3.49% APR offer strong value for budget-conscious borrowers aiming to minimize interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
INTOUCH CREDIT UNION
As of December 5, 2025, new auto loan rates remain steady, holding at 3.49% - 5.24% APR, the same as 30 days ago but up slightly from narrower ranges earlier this month. The Motorcycle loans increased on the lower end by about 1% since last week, now ranging from 5.49% to 6.74% APR. Notably, the Other vehicle loan rate stabilized at 4.99% APR, improving from last month’s higher peak. For those seeking flexibility, consider longer terms to manage monthly payments effectively. For more details, visit https://www.itcu.org/vehicle-loans,
SHELL FEDERAL CREDIT UNION
As of December 5, 2025, SHELL’s new auto loan rates remain steady at 3.49% to 18.00% APR, unchanged from one week ago but down by 0.50% at the low end compared to 15 and 30 days ago. This offers members access to some of the most affordable financing options for new vehicles right now. For borrowers seeking lower monthly payments, exploring longer-term loans within this rate range could provide added flexibility. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of December 5, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.25% APR, showing no change over the past 30 days. This stable rate environment offers members consistent affordability for financing new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options may provide additional flexibility. For more details, visit https://www.uoficreditunion.org/rates/.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of December 5, 2025, 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 predictable financing costs for new vehicles. For those seeking affordable financing, the current rate range provides competitive options without recent fluctuations. Consider longer-term loans 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 head to the dealership, check your rates on LendMesh. You’ll walk in with confidence—and likely save money. We connect you with banks and credit unions offering pre-approval and flexible terms on vehicle loans. See what’s possible at https://www.lendmesh.com/loans/vehicle_loans and skip the guesswork.
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Conclusion
Looking ahead, keeping an eye on credit union rate trends can pay off, especially if you’re considering refinancing an existing loan or purchasing a new ride soon. With some credit unions maintaining ultra-low APRs like Marine’s 2.10% auto loan, it could be worthwhile to shop around and potentially refinance to reduce your monthly payments. If you’re eyeing motorcycles or recreational vehicles, watch for small but meaningful dips like those seen recently at Intouch and Del Norte that could lower your cost of borrowing further. Remember, locking in a low fixed rate now can shield you from future rate hikes while enhancing your buying power. Whether upgrading your family vehicle or picking out that dream motorcycle, staying proactive with credit union offers and acting when rates are favorable will help maximize your savings and get you on the road faster.