Introduction
On December 10, 2025, savvy vehicle shoppers can take advantage of some standout financing offers across credit unions. The lowest auto loan APR is an impressive 2.10% at Marine Credit Union, making it a top choice for anyone looking to buy a car without breaking the bank. Motorcycle enthusiasts will find competitive rates starting at 5.49% with Atomic and InTouch, while RV buyers should check out Recreational loans from Del Norte and InTouch, both offering rates in the mid-single digits to low double digits. Notably, Del Norte’s auto loan rate showed a substantial improvement from 6.19% just 30 days ago down to 2.99% today , a strong signal that timing your purchase or refinance now could yield significant savings. Whether you’re shopping for your next family vehicle or your weekend ride, these steady or improving rates suggest that locking in financing soon could be your best move.
Used - Vehicle Loans
Credit Union
Product
2025-12-10
(Current Day)
(Current Day)
2025-12-03
(7 Days Ago)
(7 Days Ago)
2025-11-25
(15 Days Ago)
(15 Days Ago)
2025-11-10
(30 Days Ago)
(30 Days Ago)
2025-10-26
(45 Days Ago)
(45 Days Ago)
2025-10-11
(60 Days Ago)
(60 Days Ago)
2025-09-11
(90 Days Ago)
(90 Days Ago)
Auto
2.99 - 12.64
2.99 - 12.64
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
3.49 - 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
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
Motorcycle
5.49 - 8.49
4.49 - 5.99▼ 100 bps
4.49 - 5.99▼ 100 bps
6.49▲ 100 bps
5.99 - 6.49▲ 50 bps
Auto
3.74 - 9.24
3.74 - 9.24
3.49 - 9.24▼ 25 bps
3.49 - 8.99▼ 25 bps
3.49 - 8.99▼ 25 bps
MARINE FEDERAL CREDIT UNION
As of December 10, 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 consistent rate range offers members a reliable option for financing used vehicles. For those seeking affordability, the lower end of this spectrum provides competitive pricing. Consider exploring longer-term loan options if you want to reduce your monthly payments while maintaining these stable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of December 10, 2025, ATOMIC’s used vehicle loan rates remain steady with no changes over the past 30 days. Used Auto loans hold a competitive range of 5.49% to 5.83% APR, offering affordability for most members. The Other loan category provides the broadest rate spectrum from 2.50% to 13.21% APR, suitable for varied financing needs but requiring careful comparison. Recreational and Motorcycle loans stay consistent at 7.99% to 9.21% and 9.50% to 9.88% APR, respectively. For those seeking lower monthly payments, exploring longer-term options within these stable rates can be beneficial. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of December 10, 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 fluctuations to monitor. Members seeking cost-effective financing can confidently consider this product knowing the rate stability supports predictable payments. For those prioritizing budget management, locking in this stable rate now may be advantageous before any future changes occur. 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 remain steady at 2.99% to 12.64% APR, holding the lowest starting rate in a month after dropping from 3.99%. Motorcycle loans maintain stable rates between 7.49% and 8.49% APR, consistent over 15 days. Recreational vehicle loans show no change, steady at 8.24% to 9.24% APR for a full month. Members seeking affordability should consider the used auto loans with the lowest APRs; those preferring manageable payments might explore longer terms where available. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
TYNDALL FEDERAL CREDIT UNION
For December 10, 2025, TYNDALL’s used auto loan rates remain steady at 3.24% to 7.24% APR, unchanged over the past 30 days. This stability offers consistent financing options for members seeking used vehicles. The lower end of this rate range presents an affordable opportunity for borrowers with strong credit profiles. Members considering a purchase might also explore longer-term loans to manage monthly payments effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
For used auto loans at SHELL, rates have remained steady over the past 30 days, holding at 3.49% to 18.00% APR with no changes observed. The lowest rate of 3.49% APR offers an affordable option for members seeking competitive financing on used vehicles. Consider checking longer-term loan options if you prefer lower monthly payments, as this can help manage your budget more effectively. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady, holding at 3.50% to 6.75% APR over the past 30 days with no changes. This consistent range offers members reliable, affordable financing options for used vehicles. For borrowers seeking manageable monthly payments, exploring longer-term loan durations may provide additional flexibility. Members looking for stable rates can confidently consider these offerings when planning their next vehicle purchase. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
COMMUNITY RESOURCE CREDIT UNION
As of December 10, 2025, COMMUNITY RESOURCE’s Used Auto Loan rates remain steady, holding at 3.74% to 9.79% APR over the past 30 days with no changes observed. This consistent rate range offers members predictable financing costs when purchasing used vehicles. For members seeking the most affordable option, focus on loans near the lower end of the range at 3.74% APR. To manage monthly payments effectively, consider longer-term loan options, which may provide better cash flow flexibility despite slightly higher interest costs. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH show mixed trends this week. Auto loans hold steady at 3.74 - 6.24% APR, maintaining the lowest starting rate among used products. Motorcycle loans increased notably to 5.49 - 8.49% APR, up from last week’s narrower range, signaling higher costs for these loans. Other and Recreational loans saw moderate rate increases on their upper bounds, with Other rising to 7.99% and Recreational to 6.99% APR. For members prioritizing affordability, used auto loans remain the most cost-effective option. Consider comparing term lengths to optimize monthly payments. For more details, visit https://www.itcu.org/vehicle-loans,
SHARONVIEW FEDERAL CREDIT UNION
As of December 10, 2025, SHARONVIEW's used auto loan rates remain steady at 3.74% to 9.24% APR, unchanged from one week ago but slightly higher than the 3.49% minimum seen 15 and 30 days prior. This indicates a modest increase in the lowest available rate over the past month. Members seeking the most affordable financing should consider locking in rates soon before potential further increases. Additionally, exploring longer-term loan options may help manage monthly payments effectively. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates.
LendMesh
A great loan can make your car feel even better. At LendMesh, we believe transparency leads to better choices. That’s why we show real rates, not gimmicks, from lenders you can trust. Whether you're buying or refinancing, start your journey at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, consider refinancing existing loans if you secured higher rates earlier this year, credit unions like Marine and VyStar are offering some of the most attractive APRs right now. For new buyers, keeping an eye on credit unions with stable or dropping rates like Del Norte and InTouch can pay off, especially if you’re flexible on timing your purchase within the next month or two. Families and enthusiasts should also evaluate loan terms beyond just APR to ensure the total cost fits their budget comfortably. Ultimately, acting decisively on these favorable rates can save you hundreds or even thousands over the life of your loan, so get pre-approved early and shop smart to make the most of today’s market conditions.