Introduction
As of December 31, 2025, vehicle loan rates at credit unions offer some compelling opportunities for savvy car shoppers and motorcycle enthusiasts alike. The lowest APR available is an exceptionally low 2.10% on auto loans from Marine Credit Union, making it a standout choice for those looking to finance their next ride with minimal interest costs. If you’re in the market for a motorcycle loan, Atomic Credit Union’s steady range between 9.50% and 9.88% remains consistent, providing reliable options without surprises. Notably, Del Norte Credit Union’s auto loan rates have seen a significant drop on the lower end, from 6.19% just a week ago down to an impressive 2.99% today, offering buyers a fresh chance to secure favorable terms. Meanwhile, INTOUCH shows a stable auto loan rate band but has interesting motorcycle and recreational loan options that might suit families and hobbyists planning their next adventure. For anyone ready to make a purchase or refinance, these fixed rates with minimal weekly fluctuations mean now is a great time to lock in financing before year-end sales close out. Keep an eye on credit unions like Marine and Del Norte for the best deals that could save you hundreds over your loan term.
Used - Vehicle Loans
Credit Union
Product
2025-12-31
(Current Day)
(Current Day)
2025-12-24
(7 Days Ago)
(7 Days Ago)
2025-12-16
(15 Days Ago)
(15 Days Ago)
2025-12-01
(30 Days Ago)
(30 Days Ago)
2025-11-16
(45 Days Ago)
(45 Days Ago)
2025-11-01
(60 Days Ago)
(60 Days Ago)
2025-10-02
(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
6.19 - 12.64▲ 320 bps
3.99 - 12.64▲ 100 bps
3.99 - 12.64▲ 100 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 - 6.24
3.24 - 6.24
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 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
3.50 - 6.75
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
Motorcycle
5.49 - 6.49
5.49 - 6.49
5.49 - 6.49
4.49 - 5.99▼ 100 bps
4.49 - 6.49▼ 100 bps
6.49▲ 100 bps
Other
6.99
5.49 - 6.99▼ 150 bps
5.49 - 6.99▼ 150 bps
4.99 - 5.99▼ 200 bps
4.99 - 5.99▼ 200 bps
5.49 - 5.99▼ 150 bps
Recreational
5.49 - 6.49
4.49 - 6.49▼ 100 bps
4.49 - 6.49▼ 100 bps
4.49 - 5.49▼ 100 bps
4.49 - 5.49▼ 100 bps
4.49 - 5.49▼ 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
MARINE FEDERAL CREDIT UNION
As of December 31, 2025, MARINE’s used auto loan rates remain steady between 2.10% and 11.15% APR, with no changes over the past 30 days. This consistent range offers members predictable financing costs for used vehicles. For those seeking affordability, the lowest rates at 2.10% APR present strong value. Consider longer-term loans to manage monthly payments effectively, especially if aiming to stay within the lower APR bracket. For more details, visit https://www.marinefederalhb.org/home/rates/consumer-loan.
ATOMIC CREDIT UNION
Used vehicle loan rates at ATOMIC remain steady this week with Auto loans at 5.49% to 5.83% APR and Motorcycle loans at 9.50% to 9.88% APR. The broad Other loan category offers the widest range, from 2.50% to 13.21% APR, providing options for diverse needs. Recreational loans hold firm between 7.99% and 9.21% APR. With no rate changes in the past 30 days, members should consider locking in current rates or exploring longer terms for manageable payments. For more details, visit https://www.atomiccu.com/Loans/Rates-Apply/Rates,
VYSTAR CREDIT UNION
As of December 31, 2025, VYSTAR's Used Auto Loan APR remains steady at 2.94%, showing no change over the past 30 days. This consistent rate provides members with a reliable option for affordable used vehicle financing. Consider locking in this stable rate now to avoid potential future increases. For those seeking lower monthly payments, reviewing longer-term loan options could be beneficial. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
DEL NORTE CREDIT UNION
Used auto loan rates at DEL NORTE have improved notably, with APRs now ranging from 2.99% to 12.64%, down from 6.19% at the start of last week. The Other vehicle loans saw a rise in the upper rate to 10.18%, reversing a recent dip, while Recreational loan rates remain steady between 8.24% and 9.24%. For members seeking affordability, the used auto loan’s lower starting APR offers significant savings; consider longer terms to reduce monthly payments. For more details, visit https://www.dncu.com/personal/vehicle-loans/new-auto-motorcycle/#currentrates.
TYNDALL FEDERAL CREDIT UNION
For used auto loans at TYNDALL, rates have remained steady at 3.24% to 6.24% APR over the past 30 days, improving from a high of 7.24% a month ago. This stability offers members consistent access to competitive financing for used vehicles. Consider locking in current rates soon, as last month’s higher peak suggests potential fluctuations. For those seeking affordability, the lower end of the APR range presents a valuable opportunity. Review loan terms carefully to align payments with your budget and financial goals. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
SHELL FEDERAL CREDIT UNION
As of December 31, 2025, SHELL’s used auto loan rates remain steady at 3.49% to 18.00% APR, with no changes over the past 30 days. The consistent rate range offers members predictable financing options for used vehicles. For those seeking affordability, the lower end of this spectrum provides competitive rates worth considering. Explore longer loan terms if you want to manage monthly payments effectively while securing a used vehicle. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
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, providing consistent affordability for members financing pre-owned vehicles. This stable rate range offers a reliable option for borrowers seeking competitive terms without recent fluctuations. Consider used auto loans now to lock in these rates, especially if you prefer manageable monthly payments over shorter terms. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
NECHES FEDERAL CREDIT UNION
Used auto loan rates at NECHES have held steady at 3.50 - 5.25% APR over the past 15 days, improving from 3.75 - 5.50% a month ago. The Other used vehicle loans remain consistent at 3.50 - 6.50% APR, down from last month’s 4.75 - 7.00% range, reflecting notable savings for members. These stable and competitive rates offer strong value for financing used vehicles now. Consider shorter-term loans to take advantage of the lower end of the rate spectrum and reduce overall interest costs. For more details, visit https://www.nechesfcu.org/personal/auto/financing/#rates,
INTOUCH CREDIT UNION
For used vehicle loans at INTOUCH, Auto rates remain steady between 3.74% and 4.49%, consistent over the past 30 days, offering the most affordable financing option. Motorcycle and Recreational loans have increased by about 1% compared to 30 days ago, now ranging from 5.49% to 6.49%. The Other category saw a notable rise to 6.99% from under 6% last month. Members seeking lower monthly payments should consider locking in current auto loan rates or explore longer terms for recreational vehicles to manage costs effectively. For more details, visit https://www.itcu.org/vehicle-loans,
COMMUNITY RESOURCE CREDIT UNION
Used auto loan rates at COMMUNITY RESOURCE remain steady at 3.74% to 9.79% APR over the past 30 days, showing no changes in this period. This consistent rate range provides members with predictable financing costs for used vehicles. To manage monthly payments effectively, consider exploring longer-term loan options if available. For more details, visit https://www.crcu.org/resources/resources-and-tools/rates-and-fees.
LendMesh
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Conclusion
Looking ahead, consider locking in these competitive rates soon, especially if you qualify for the ultra-low APRs offered by Marine or Del Norte Credit Unions. If you already have a vehicle loan with a higher interest rate, now might be the perfect moment to explore refinancing options; even small reductions in your APR can lead to substantial savings over time. For families and recreational vehicle buyers, don’t overlook specialized loans from INTOUCH or Atomic Credit Union that cater specifically to motorcycles and RVs with steady terms. Also, keep monitoring rates closely as slight movements could open new windows for better deals early next year. Ultimately, being proactive about your financing means you can confidently shop for your next vehicle knowing you’re getting one of the most competitive offers available today. Start by comparing these credit union rates side-by-side and reach out for pre-approval, it’s a smart step toward saving more on your next ride or adventure vehicle.