Introduction
As of December 17, 2025, savvy car buyers and motorcycle enthusiasts can take advantage of some standout financing options at credit unions. The lowest APR available today is an exceptional 2.10% for auto loans at Marine Credit Union, offering one of the most competitive rates on the market. If you’re looking for motorcycle financing, Atomic Credit Union’s rates remain steady between 9.50% and 9.88%. Notably, VyStar Credit Union’s auto loan rate has dropped sharply from a range of 6.04%, 8.84% just a week ago down to a flat 2.94%, marking a significant opportunity for buyers ready to act fast. For those interested in recreational vehicles, rates hold steady around the 7.99%, 9.24% range across several credit unions like Atomic and Del Norte. Keep an eye on these shifts, especially VyStar’s dramatic change, as timing your loan application could save you hundreds or even thousands over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2025-12-17
(Current Day)
(Current Day)
2025-12-10
(7 Days Ago)
(7 Days Ago)
2025-12-02
(15 Days Ago)
(15 Days Ago)
2025-11-17
(30 Days Ago)
(30 Days Ago)
2025-11-02
(45 Days Ago)
(45 Days Ago)
2025-10-18
(60 Days Ago)
(60 Days Ago)
2025-09-18
(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
2.99 - 12.64
6.19 - 12.64▲ 320 bps
6.19 - 12.64▲ 320 bps
6.19 - 12.64▲ 320 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 - 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 - 5.25
3.50 - 5.25
3.75 - 5.50▲ 25 bps
3.75 - 5.50▲ 25 bps
3.75 - 5.50▲ 25 bps
3.75 - 5.50▲ 25 bps
Other
3.50 - 6.50
3.50 - 6.50
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 bps
4.75 - 7.00▲ 125 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 - 6.49
5.49 - 6.49
4.49 - 5.99▼ 100 bps
4.49 - 6.49▼ 100 bps
6.49▲ 100 bps
5.99▲ 50 bps
Other
5.49 - 6.99
4.99 - 5.99▼ 50 bps
4.99 - 5.99▼ 50 bps
4.99 - 5.99▼ 50 bps
5.49 - 5.99
6.49▲ 100 bps
Recreational
4.49 - 6.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
5.49▲ 100 bps
Auto
3.74 - 9.24
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 17, 2025, MARINE’s Used Auto Loan rates remain steady at 2.10% to 11.15% APR, with no changes over the past 30 days. This stability offers members predictable financing costs when purchasing used vehicles. For those seeking the most affordable options, the lower end of the range at 2.10% APR presents a competitive rate. Consider longer-term loans to manage monthly payments while benefiting from these consistent rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan,
ATOMIC CREDIT UNION
As of December 17, 2025, used vehicle loan rates at ATOMIC remain steady with no changes in the past 30 days. The most affordable option continues to be the Other loan program, offering rates from 2.50% to 13.21% APR. For standard used autos, rates hold firm between 5.49% and 5.83% APR. Members seeking recreational vehicle financing face rates ranging from 7.99% to 9.21% APR, while motorcycle loans are priced between 9.50% and 9.88% APR. Consider longer terms if you want to manage monthly payments effectively without rate fluctuations. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of December 17, 2025, VYSTAR's used auto loan APR remains steady at 2.94%, consistent with rates from 15 and 30 days ago, marking a significant improvement from the range of 6.04% to 8.84% seen seven days prior. This stable low rate offers members an affordable option for financing used vehicles. Consider locking in this rate now to benefit from predictable payments and potential savings. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates,
DEL NORTE CREDIT UNION
Used vehicle loan rates at DEL NORTE remain stable this week. Used Auto loans hold steady between 2.99% and 12.64% APR, maintaining the lowest starting rate compared to 30 days ago when the minimum was higher at 6.19%. Recreational loans continue at 8.24% to 9.24% APR, unchanged over the past month. The new Other vehicle loan option offers rates from 7.49% to 8.49% APR today, providing an alternative for specialized financing needs. Members seeking affordability should consider used auto loans with rates as low as 2.99% and explore longer terms for manageable payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
For December 17, 2025, TYNDALL’s used auto loan rates remain steady, holding at 3.24% to 6.24% APR, with no changes over the past 30 days. This stable rate environment provides members consistent access to affordable financing for used vehicles. The lower end of the range offers competitive pricing for credit-qualified borrowers. Members seeking manageable monthly payments should consider longer-term loans within this rate range. 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 at 3.49% to 18.00% APR over the past 30 days, showing no changes in either short-term or long-term pricing. The lowest rate of 3.49% APR offers members an affordable financing option for used vehicles. Consider exploring longer loan terms to manage monthly payments effectively while securing competitive rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
NECHES FEDERAL CREDIT UNION
Used auto loan rates at NECHES have stabilized at 3.50 - 5.25% APR, unchanged from last week but down by 25 basis points compared to 15 and 30 days ago. The Other used vehicle loans remain steady at 3.50 - 6.50% APR, improving from earlier highs of up to 7.00%. These lower rates offer members more affordable financing options for quality used vehicles. Consider shorter-term loans to maximize savings if manageable within your budget. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
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, offering consistent affordability for members financing pre-owned vehicles. This stability provides a reliable benchmark for budgeting your purchase. For members seeking predictable payments, consider locking in current rates soon as no recent decreases have been observed. Used auto loans continue to be the most affordable option available today, supporting cost-effective vehicle financing. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
Used vehicle loan rates at INTOUCH show notable shifts this month. The Used Auto loan APR remains steady at 3.74 - 4.49%, matching the rate from 30 days ago but slightly higher than mid-November. Motorcycle loans increased by about 1% since 15 days ago, now ranging from 5.49 to 6.49%. Both Other and Recreational loans rose approximately 0.5 to 1% compared to last week. For members seeking the most affordable financing, the Used Auto loan offers the lowest rates; consider longer terms to lower monthly payments if budgeting is a priority. For more details, visit https://www.itcu.org/vehicle-loans.
SHARONVIEW FEDERAL CREDIT UNION
SHARONVIEW’s used auto loan rates remain steady today at 3.74% to 9.24% APR, unchanged over the past 7 and 15 days, with a slight increase from 3.49% at the low end compared to 30 days ago. The lowest rate of 3.74% APR offers strong value for members seeking affordable financing. For those aiming to manage monthly payments, exploring longer-term loan options may provide greater flexibility. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates,
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle_loans and apply with confidence.
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Conclusion
Looking ahead, if you’re considering buying or refinancing a vehicle, now is an ideal time to explore credit union offers closely. With rates as low as 2.10% for auto loans and recent drops like VyStar’s to under 3%, locking in a deal soon could maximize your savings before any seasonal fluctuations occur. Motorcycle and recreational vehicle buyers should also monitor stable yet competitive ranges at Atomic and Del Norte for tailored financing options. If you already have a loan with a higher rate, checking eligibility for refinancing could lower your monthly payments significantly. Lastly, stay proactive by comparing multiple credit unions since their rates can differ substantially, and sometimes change quickly, giving you the leverage needed to negotiate better terms on your next ride or family vehicle purchase.