Introduction
As of December 26, 2025, savvy vehicle shoppers have some exciting financing opportunities to explore. The lowest auto loan APR is an incredibly competitive 2.10% at Marine Credit Union, offering a broad range from 2.10% to 11.15%. For motorcycle enthusiasts, Atomic Credit Union holds steady with rates starting at 9.50%, while those looking into recreational vehicles can find rates as low as 4.49% at Intouch Credit Union. Notably, VyStar Credit Union has dropped its auto loan rate sharply to a flat 2.94% from last week’s 4.94%, marking a significant improvement of exactly 200 basis points, a rare and welcome shift for buyers aiming to save on financing costs. Whether you’re buying your first car or upgrading your family ride, these stable or improving rates across credit unions present an excellent chance to lock in favorable terms before the new year.
New - Vehicle Loans
Credit Union
Product
2025-12-26
(Current Day)
(Current Day)
2025-12-19
(7 Days Ago)
(7 Days Ago)
2025-12-11
(15 Days Ago)
(15 Days Ago)
2025-11-26
(30 Days Ago)
(30 Days Ago)
2025-11-11
(45 Days Ago)
(45 Days Ago)
2025-10-27
(60 Days Ago)
(60 Days Ago)
2025-09-27
(90 Days Ago)
(90 Days Ago)
2025-06-29
(180 Days Ago)
(180 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
7.49 - 9.24
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
8.24 - 9.24▲ 75 bps
Auto
3.24 - 6.24
3.24 - 6.24
3.24 - 6.24
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
3.24 - 6.74
Auto
3.24 - 7.54
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.54▲ 25 bps
3.49 - 7.24▲ 25 bps
3.64 - 5.14▲ 40 bps
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
Motorcycle
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
4.49 - 6.99▼ 100 bps
4.99 - 6.49▼ 50 bps
5.99 - 6.49▲ 50 bps
Other
5.49 - 6.99
5.49 - 6.99
4.99 - 5.99▼ 50 bps
4.99 - 7.99▼ 50 bps
5.99▲ 50 bps
5.49 - 6.49
Recreational
4.49 - 6.49
5.49 - 7.99▲ 100 bps
4.49 - 5.49
4.49 - 6.49
4.49 - 5.49
5.49 - 7.49▲ 100 bps
Auto
3.50 - 5.25
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
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 - 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 26, 2025, MARINE’s new auto loan rates remain steady at 2.10% to 11.15% APR, unchanged over the past 30 days. This consistency offers members a reliable range to finance new vehicles affordably. For those seeking the lowest rates, the 2.10% APR provides competitive financing for qualified borrowers. Consider longer-term loans if you aim to reduce monthly payments while maintaining manageable rates. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
As of December 26, 2025, ATOMIC’s new vehicle loan rates remain steady across all products with no changes in APR over the past 30 days. New Auto loans hold at 5.49% to 5.83%, offering consistent affordability for members financing cars. The most competitive rate range is found in the Other vehicle category, from 2.50% to 13.21%, reflecting varied loan terms or credit profiles. Members considering monthly payment flexibility should explore different loan programs within these stable rates to find options that suit their budgets. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates.
VYSTAR CREDIT UNION
As of December 26, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, consistent with rates from 15 and 30 days ago. This stable low rate offers significant value for members seeking affordable financing on new vehicles. Compared to a wider range seen seven days ago, today’s fixed rate simplifies budgeting with predictable payments. Members looking for cost-effective financing should consider locking in this rate now. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
For December 26, 2025, DEL NORTE’s new auto loan rates remain steady at 2.99% APR for the lowest tier, holding firm over the past 15 days but down 1.00% from 30 days ago, offering a strong value for members financing new vehicles. Recreational loan rates improved by 75 bps from last week, now ranging from 7.49% to 9.24%. The Other vehicle loan category holds steady at 7.49% to 8.49% APR, maintaining affordability compared to last month’s higher upper limit. Members seeking cost efficiency should focus on the low starting rates for new auto loans and consider longer terms for manageable payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates,
TYNDALL FEDERAL CREDIT UNION
As of December 26, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.24% APR, unchanged from the past 7 and 15 days, and slightly improved from 6.74% APR thirty days ago. This stability offers members consistent access to competitive financing for new vehicles. For those seeking affordable options, the lowest rates at 3.24% APR provide valuable savings potential. Consider longer-term loans if you prefer lower monthly payments while maintaining these attractive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of December 26, 2025, BAXTER’s new auto loan rates have decreased at the lower end, moving from a minimum APR of 3.49% over the past 30 days to 3.24% today, while the maximum remains steady at 7.54%. This represents a notable drop of 25 basis points on the low end, offering members more affordable financing options for new vehicles. Consider shorter-term loans to take advantage of these lower rates and reduce overall interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
SHELL FEDERAL CREDIT UNION
As of December 26, 2025, SHELL’s new auto loan APR remains steady at 3.49% to 18.00%, with no changes over the past 30 days. This consistency offers members a reliable rate environment for financing new vehicles. The lowest rates at 3.49% provide affordable options for borrowers seeking competitive financing. Members considering vehicle purchases should evaluate term lengths and monthly payments to optimize their loan structure. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
INTOUCH CREDIT UNION
As of December 26, 2025, new auto loan rates at INTOUCH remain stable between 3.49% and 3.99% APR, holding steady from 7 to 30 days ago. The recreational loan rates improved notably, dropping from a high of 7.99% to a current range of 4.49% to 6.49% APR, offering better affordability for members. Meanwhile, motorcycle rates are unchanged at 5.49% to 6.49% APR, and the other vehicle loan category saw a slight increase compared to 15 days ago but remains below last month’s peak, now at 5.49% to 6.99% APR. Consider longer terms to reduce monthly payments if managing cash flow is a priority. For more details, visit https://www.itcu.org/vehicle-loans,
NECHES FEDERAL CREDIT UNION
As of December 26, 2025, NECHES new auto loan rates remain steady at 3.50% to 5.25% APR, unchanged over the past 15 days but improved by 25 basis points compared to 30 days ago. The Other new vehicle loans hold firm at 3.50% to 6.50% APR, also stable for three weeks and down from last month’s higher range. Members seeking affordability will find the new auto loan product offers the most competitive rates currently available. For those prioritizing lower monthly payments, consider exploring longer-term options within these stable rate ranges. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION
As of December 26, 2025, new auto loan rates at UNIVERSITY OF ILLINOIS COMMUNITY remain stable, holding steady between 3.50% and 7.25% APR over the past 30 days. This consistent rate range offers members reliable financing options without unexpected increases. For those seeking affordable vehicle financing, the lower end of this spectrum provides competitive rates. Consider longer-term loans if you want to manage monthly payments effectively while maintaining a fixed rate. For more details, visit https://www.uoficreditunion.org/rates/.
LendMesh
A vehicle loan isn’t just a number—it’s a piece of your financial story. At LendMesh, we believe you deserve options that work for your goals and your budget. Discover flexible terms and honest offers from banks and credit unions at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, now is a smart time to act if you’re considering buying or refinancing a vehicle. With Marine’s standout low APRs and VyStar’s recent rate dip, it’s worth comparing offers closely to secure the best deal for your budget. If you already have a loan with a higher rate, refinancing could lower your monthly payments significantly in today’s environment. Families and riders should also keep an eye on credit unions like Intouch and Atomic for specialized motorcycle and recreational vehicle loans that balance competitive rates with flexible terms. Staying informed and ready to move quickly can help you maximize savings, so start gathering your credit info and get pre-approved now to drive away with confidence in the coming months.