Introduction
As of December 19, 2025, savvy car shoppers and vehicle enthusiasts have some excellent financing options to consider. Marine Credit Union leads with the lowest auto loan rates starting as low as 2.10% APR, offering a broad range up to 11.15%. If you’re eyeing motorcycles, Atomic Credit Union’s rates hold steady at a competitive 9.50% to 9.88%. Notably, Del Norte’s auto loan minimum rate remains attractive at 2.99%, though it saw a slight increase from 3.99% a month ago in its upper range. Meanwhile, Intouch Credit Union offers a tight window on auto loans from 3.49% to 3.99%, with motorcycle rates also holding firm this week after some recent fluctuations. Whether you’re buying new or used, keeping an eye on these stable yet varied rates can help you score the best deal. Locking in one of these low APRs today could save you hundreds over the life of your loan, a smart move for families and enthusiasts alike.
New - Vehicle Loans
Credit Union
Product
2025-12-19
(Current Day)
(Current Day)
2025-12-12
(7 Days Ago)
(7 Days Ago)
2025-12-04
(15 Days Ago)
(15 Days Ago)
2025-11-19
(30 Days Ago)
(30 Days Ago)
2025-11-04
(45 Days Ago)
(45 Days Ago)
2025-10-20
(60 Days Ago)
(60 Days Ago)
2025-09-20
(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 - 11.15
2.10 - 11.25
Auto
2.99 - 12.64
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
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 - 6.24
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
4.49 - 7.49▼ 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 - 6.49▼ 50 bps
5.99▲ 50 bps
6.49▲ 100 bps
Recreational
4.49 - 6.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
5.49▲ 100 bps
5.49▲ 100 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 - 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 19, 2025, MARINE's new auto loan APRs remain steady at 2.10% to 11.15%, showing no change over the past 30 days. This stability offers members predictable financing costs for new vehicles. For those seeking lower monthly payments, exploring longer-term loan options could provide added affordability within this rate range. Maintaining consistent rates supports informed borrowing decisions without unexpected fluctuations. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of December 19, 2025, ATOMIC’s new vehicle loan rates remain steady across all categories compared to the past 30 days. Auto loans hold at 5.49% to 5.83% APR, offering consistent affordability for new car financing. The Other vehicle loan category ranges widely from 2.50% to 13.21% APR, providing flexible options depending on the member’s needs. For recreational vehicles, rates stay between 7.99% and 9.21% APR, while motorcycle loans range from 9.50% to 9.88% APR. Members seeking lower monthly payments should consider longer terms within these stable rate ranges for better budgeting control. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of December 19, 2025, VYSTAR’s new auto loan rate remains steady at 2.94% APR, with no change over the past 30 days. This consistent rate offers members reliable, affordable financing for new vehicles. For those evaluating financing options, locking in this stable rate now can provide predictable monthly payments without concern for rising costs. Consider your loan term carefully to balance payment size and total interest paid. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
For December 19, 2025, new auto loan rates at DEL NORTE remain steady, holding at 2.99% to 12.64% APR, with a notable improvement from 3.99% at the 30-day mark. The Other vehicle loan category tightened its range to 7.49%, 8.49% APR, improving from as high as 10.18% a month ago, benefiting members seeking specialized financing. Recreational loans hold firm between 8.24% and 9.24% APR with no recent changes. Members looking for affordability should consider the consistently low starting rates on new auto loans; check long-term options to optimize 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 stable at 3.24% to 6.24% APR, unchanged over the past week and down from 6.74% fifteen and thirty days ago. This represents a 50 basis point improvement in the upper rate range, offering members more affordable financing options for new vehicles. For those seeking lower monthly payments, consider longer-term loans to maximize savings. Staying informed on these trends can help you secure the best possible rate for your new vehicle purchase. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of December 19, 2025, SHELL’s new Auto loan APRs remain steady at 3.49% to 18.00%, with the lowest rates unchanged from the past 30 days. This stability benefits members seeking predictable financing costs for new vehicles. For those aiming to manage monthly payments, consider exploring longer-term loan options to balance affordability with repayment flexibility. The consistently low starting APR highlights the credit union’s commitment to accessible vehicle financing. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INTOUCH CREDIT UNION
As of December 19, 2025, new auto loan rates remain stable between 3.49% and 3.99% APR, holding steady from 30 days ago and showing improvement from higher upper rates last month. Motorcycle loans increased slightly to a range of 5.49% to 6.49% APR, rising from a low of 4.49% fifteen days ago. The Other vehicle category saw an uptick to 5.49% - 6.99% APR, reversing earlier lower rates near 4.99%. Meanwhile, Recreational loan rates widened to 4.49% - 6.49% APR, up from consistent lower caps around 5.49%. For members seeking affordability, the stable new auto loan rates offer the best value today; consider longer terms for reduced monthly payments. For more details, visit https://www.itcu.org/vehicle-loans,
NECHES FEDERAL CREDIT UNION
For new vehicle loans at NECHES, Auto loan rates remain steady at 3.50% to 5.25% APR, unchanged over the past week but down 25 basis points from 15 and 30 days ago. The Other vehicle loan category also holds firm at 3.50% to 6.50% APR, improving significantly by 125 basis points compared to mid-November. These trends suggest better financing options for members looking to purchase new vehicles. Consider longer-term loans if monthly payment flexibility is a priority. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of December 19, 2025, new auto loan rates at POLISH & SLAVIC remain steady between 3.50% and 5.99% APR, with no changes in the past 30 days. This consistent pricing offers members reliable financing options for new vehicles. For those considering financing, exploring longer-term loans may provide more manageable monthly payments while maintaining competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of December 19, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain steady, ranging from 3.50% to 7.25% APR, with no changes over the past 30 days. This consistent rate environment offers reliable financing options for members seeking new vehicles. Members looking for affordability should consider the lower end of the rate spectrum to minimize interest costs. For those aiming to reduce monthly payments, exploring longer-term loan options could provide additional flexibility. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
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Conclusion
Looking ahead, now is a great time to evaluate your financing options closely. If you currently carry a higher-rate auto loan, consider refinancing with credit unions like Marine or Vystar, where rates hover under 3%. For buyers planning new purchases, focusing on credit unions offering fixed low APRs below 3.5% can maximize savings and budget certainty. Motorcycle and recreational vehicle buyers should watch Atomic and Intouch’s steady rates for potential deals that match their passion without stretching finances. Remember, consistent rates mean less volatility risk, so locking in today’s rates could be wiser than waiting for market shifts that may not materialize soon. Ultimately, staying informed and proactive will keep your next vehicle purchase affordable and stress-free.