Introduction
On December 24, 2025, savvy vehicle buyers can score some of the best financing deals yet this season. Marine Credit Union leads with the lowest auto loan APR starting at an unbeatable 2.10%, offering a broad rate range that suits many credit profiles. Motorcycle enthusiasts should note that Intouch’s motorcycle loans start at a competitive 5.49%, while Atomic offers motorcycle rates beginning at 9.50%. For families eyeing recreational vehicles, Intouch also presents appealing rates as low as 4.49%. Most credit unions have held steady over the past month, but Neches Credit Union’s slight tightening on auto loan lows, from 3.75% down to 3.50%, could mean better borrowing power for those who act now. Whether you’re buying your first car, upgrading your ride, or adding a bike to your garage, today’s stable and low rates provide a smart opportunity to lock in affordable financing and save over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2025-12-24
(Current Day)
(Current Day)
2025-12-17
(7 Days Ago)
(7 Days Ago)
2025-12-09
(15 Days Ago)
(15 Days Ago)
2025-11-24
(30 Days Ago)
(30 Days Ago)
2025-11-09
(45 Days Ago)
(45 Days Ago)
2025-10-25
(60 Days Ago)
(60 Days Ago)
2025-09-25
(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
3.24 - 6.24
3.24 - 6.24
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
3.49 - 18.00
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
3.50 - 6.50
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
Auto
3.74 - 4.49
3.99 - 4.49▲ 25 bps
3.74 - 3.99
3.74 - 4.49
3.74 - 4.49
3.99 - 4.49▲ 25 bps
Motorcycle
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
4.49 - 6.49▼ 100 bps
6.49▲ 100 bps
5.99 - 6.49▲ 50 bps
Other
4.99 - 6.99
5.49 - 6.99▲ 50 bps
4.99 - 5.99
4.99 - 6.49
5.99▲ 100 bps
5.49 - 6.49▲ 50 bps
Recreational
4.49 - 6.49
4.49 - 6.49
4.49 - 5.49
4.49 - 5.49
4.49 - 5.49
5.49 - 7.49▲ 100 bps
Auto
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.74 - 9.79
3.99 - 9.79▲ 25 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
Auto
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
3.75 - 7.25
MARINE FEDERAL CREDIT UNION
As of December 24, 2025, MARINE’s used auto loan rates remain steady at 2.10% to 11.15% APR, unchanged over the past 30 days. This stability offers members consistent borrowing costs, making it easier to plan financing. For those seeking affordability, the lower end of this range represents competitive options for used vehicles. Consider shorter-term loans to secure the lowest rates and reduce overall interest paid. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this month, with Auto loans holding firm at 5.49% to 5.83% APR for the past 30 days. Motorcycle loans also stay unchanged between 9.50% and 9.88%. The broad Other category ranges widely from 2.50% up to 13.21%, offering potential value for diverse needs. Recreational loans maintain rates from 7.99% to 9.21%. Members seeking affordability should consider the stable used auto loan rates or explore longer terms to lower monthly payments. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
TYNDALL FEDERAL CREDIT UNION
As of December 24, 2025, TYNDALL's used auto loan rates remain steady at 3.24% to 6.24% APR, showing no change over the past week. Compared to 15 and 30 days ago, the maximum rate has decreased by 1 percentage point from 7.24%, offering members more affordable financing options. This stability at the lower end combined with a notable drop in the upper range highlights value for borrowers seeking used vehicles. Consider checking various term lengths to find a balance between monthly payments and total interest costs. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of December 24, 2025, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. This stability offers members predictable financing costs for used vehicles. For those seeking affordable options, the lower end of the range at 3.49% APR presents a competitive choice. Consider exploring longer loan terms to potentially lower monthly payments while maintaining manageable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
NECHES FEDERAL CREDIT UNION
Used Auto loan rates at NECHES remain stable, holding steady at 3.50 - 5.25% APR over the past week and improving slightly from 3.75 - 5.50% 30 days ago. The Other used vehicle loans maintain a competitive range of 3.50 - 6.50% APR, unchanged from last week but down from 4.75 - 7.00% a month ago, offering good value for diverse vehicle financing needs. Members seeking affordability should consider these consistent low rates while exploring term lengths to balance monthly payments and total interest costs. 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, reflecting no change in borrowing costs. This stable rate range offers members consistent affordability when financing a used vehicle. For those seeking manageable monthly payments, consider exploring longer-term loan options to optimize your budget. Maintaining these rates helps members plan confidently without rate volatility. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
INTOUCH CREDIT UNION
Used Auto loans at INTOUCH hold steady with a competitive range of 3.74% to 4.49% APR, maintaining recent lows from 15 and 30 days ago. The Motorcycle loan rates remain unchanged at 5.49% to 6.49% APR, though the lower bound rose by 100 bps compared to 30 days prior. For Other vehicle loans, rates narrowed slightly on the lower end to 4.99% to 6.99% APR, down from 5.49% a week ago, offering better affordability. Recreational loan rates stayed consistent at 4.49% to 6.49% APR over the past week but are higher than mid-month lows. Check longer terms for potential monthly savings on auto loans. For more details, visit https://www.itcu.org/vehicle-loans,
COMMUNITY RESOURCE CREDIT UNION
As of December 24, 2025, COMMUNITY RESOURCE’s Used Auto loan rates remain steady at 3.74% to 9.79% APR, showing no change over the past 30 days. This stability offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this range provides competitive rates worth considering. Review loan terms carefully and explore longer durations if you want to reduce monthly payments without increasing your rate. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
SHARONVIEW FEDERAL CREDIT UNION
As of December 24, 2025, SHARONVIEW's used auto loan rates remain stable, holding steady at 3.74% to 9.24% APR over the past 7 and 15 days. Compared to 30 days ago, the minimum rate increased slightly from 3.49% to 3.74%, while the maximum rate stayed unchanged. For members seeking affordability, the lower end of this range offers competitive financing for used vehicles. Consider shorter-term loans to lock in these rates and potentially reduce interest costs over time. For more details, visit https://www.sharonview.org/resources/rates-fees/loan-rates,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of December 24, 2025, used auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain stable at 3.75% to 7.25% APR, with no changes over the past 30 days. This consistent range offers members predictable financing options for used vehicles. For those seeking affordable monthly payments, consider exploring longer-term loans within this rate bracket. Maintaining steady rates supports clear budgeting for vehicle purchases. For more details, visit https://www.uoficreditunion.org/rates/.
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Conclusion
Looking ahead, now is a great time to consider refinancing existing vehicle loans if you secured higher rates earlier this year, especially with Marine Credit Union’s standout APRs setting a new benchmark. If you’re planning to buy soon, keep an eye on credit union offers like Intouch and Neches for flexible options across auto and recreational loans. With rates holding steady rather than rising, waiting too long could mean missing out on these competitive terms. Lastly, prioritize improving your credit score before applying; even small bumps can translate into significant savings given today’s tight rate spreads. Start your pre-approval process early, compare multiple credit unions, and choose the loan that fits your budget best, smart moves that pay off in lower monthly payments and greater peace of mind.