Introduction
As of December 12, 2025, savvy car buyers and motorcycle enthusiasts can take advantage of some standout vehicle loan rates across credit unions. The lowest APR available is an impressive 2.10% for auto loans at MARINE Credit Union, offering a fantastic opportunity to save on financing costs. If you’re in the market for motorcycles or recreational vehicles, ATOMIC and DEL NORTE credit unions have competitive rates that remain steady this month, with motorcycle loans starting around 7.49% and recreational loans just above 4.49%. Notably, DEL NORTE’s auto loan rates saw a notable drop of exactly 100 basis points at the low end compared to a month ago, making now an excellent time to consider borrowing from them. Whether you’re buying your first car, upgrading your ride, or hunting for a great financing deal on a bike or RV, these stable and attractive rates mean you can confidently shop knowing you’re getting solid terms without surprises.
New - Vehicle Loans
Credit Union
Product
2025-12-12
(Current Day)
(Current Day)
2025-12-05
(7 Days Ago)
(7 Days Ago)
2025-11-27
(15 Days Ago)
(15 Days Ago)
2025-11-12
(30 Days Ago)
(30 Days Ago)
2025-10-28
(45 Days Ago)
(45 Days Ago)
2025-10-13
(60 Days Ago)
(60 Days Ago)
2025-09-13
(90 Days Ago)
(90 Days Ago)
Auto
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
2.10 - 11.15
2.10 - 11.25
2.10 - 11.25
Auto
2.99 - 12.64
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
Recreational
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
8.24 - 9.24
Auto
3.24 - 6.24
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 - 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
Motorcycle
5.49 - 6.49
5.49 - 6.49
4.49 - 5.99▼ 100 bps
4.99 - 6.49▼ 50 bps
6.49▲ 100 bps
5.99▲ 50 bps
Recreational
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
7.49▲ 300 bps
5.49▲ 100 bps
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
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
Auto
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
3.50 - 7.25
MARINE FEDERAL CREDIT UNION
As of December 12, 2025, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, showing no change over the past 30 days. This stability offers members consistent financing options for new vehicles. For those seeking affordability, the lowest rates at 2.10% APR provide competitive access to new auto loans. Consider longer-term loans if you want to lower 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 12, 2025, ATOMIC's new vehicle loan rates remain steady with no changes over the past 30 days. The Auto loan APRs hold between 5.49% and 5.83%, offering a consistent option for members seeking new cars. For more specialized financing, Motorcycle loans range from 9.50% to 9.88%, while Recreational loans are between 7.99% and 9.21%. The broadest range is seen in the Other category at 2.50% to 13.21%, providing flexibility depending on credit and vehicle type. Members should review their credit profile carefully to secure the best rates available. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of December 12, 2025, VYSTAR’s new auto loan rate remains steady at 2.94% APR, unchanged over the past 30 days. This consistent rate offers members a reliable and affordable option for financing new vehicles. For those seeking predictable monthly payments with competitive pricing, locking in this fixed rate could be advantageous. To explore all current vehicle loan options and find the best fit for your needs, review VYSTAR’s updated rates. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates,
DEL NORTE CREDIT UNION
As of December 12, 2025, new auto loan rates at DEL NORTE remain steady, holding at 2.99% to 12.64% APR, unchanged from one week ago but improved by 1% from 15 and 30 days prior. Motorcycle loans maintain a consistent range of 7.49% to 8.49% APR, while recreational vehicle loans hold firm between 8.24% and 9.24% APR over the past month. Members seeking the most affordable financing should consider new auto loans, which offer the lowest starting rates. For budget-conscious borrowers, exploring longer-term loan options may help reduce monthly payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s new auto loan rates remain steady at 3.24% to 6.24% APR, with a notable improvement of 50 basis points on the upper end compared to 7, 15, and 30 days ago. This reduction benefits members seeking competitive financing for new vehicles. For those aiming to lower monthly payments, exploring longer-term loan options may provide additional savings. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of December 12, 2025, SHELL’s new auto loan rates remain steady, holding at 3.49% to 18.00% APR, unchanged over the past 15 days and down from 3.99% at the low end 30 days ago. This stability offers members consistent access to competitive financing for new vehicles. For those seeking affordability, the lowest rate of 3.49% APR continues to provide significant savings potential. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INTOUCH CREDIT UNION
As of December 12, 2025, INTOUCH new auto loan rates remain steady at 3.49% to 5.24% APR, offering the most affordable financing option for members. Motorcycle loan rates increased by about 1 percentage point over the past 15 days, rising from 4.49% to a current range of 5.49% to 6.49%. Rates for Other and Recreational vehicle loans have held firm with no recent changes. Members seeking lower monthly payments should consider longer-term options within these stable ranges to maximize affordability. For more details, visit https://www.itcu.org/vehicle-loans.
BAXTER CREDIT UNION
As of December 12, 2025, BAXTER’s new auto loan rates remain steady at 3.49% to 7.54% APR, showing no change over the past 30 days. This consistent rate range provides members with predictable financing costs for new vehicles. For those prioritizing affordability, the lowest rates starting at 3.49% APR offer competitive options. Consider longer-term loans to manage monthly payments effectively without rate increases. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of December 12, 2025, new auto loan rates at POLISH & SLAVIC remain steady, holding between 3.50% and 5.99% APR for the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those seeking affordable options, the current rate range provides competitive borrowing costs. Review different term lengths to balance monthly payments and total interest paid effectively. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of December 12, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady between 3.50% and 7.25% APR, unchanged over the past 30 days. This stable range offers members consistent affordability for financing new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options to optimize your budget without rate increases. Staying informed on these rates helps you plan effectively for your next vehicle purchase. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
Refinancing your vehicle loan could save you hundreds—or even thousands—over the life of your loan. LendMesh makes it easy to compare refinance offers from trusted credit unions and banks. If you’re looking for lower payments or better terms, visit https://www.lendmesh.com/loans/vehicle_loans today.
Conclusion
Looking ahead, if you’re planning to buy soon or refinance your current vehicle loan, locking in rates below 3% could yield significant savings over time, especially with lenders like MARINE and VYSTAR maintaining those ultra-low APRs. Keep an eye on credit unions like DEL NORTE and TYNDALL, while their upper APR ranges are higher, recent rate improvements hint at possible further adjustments. For motorcycle or recreational vehicle buyers, exploring options at INTOUCH and ATOMIC could pay off with competitive mid-range rates. Remember, getting pre-approved by multiple credit unions not only gives clarity but also strengthens your bargaining power at the dealership. Finally, consider your credit score’s impact on these rate ranges; improving it might unlock even better deals down the road. Smart timing combined with thorough shopping will help ensure your next vehicle purchase fits both your lifestyle and budget perfectly.