Introduction
As of June 17, 2025, savvy vehicle shoppers have some great financing options to explore. Penfed Credit Union stands out with the lowest auto loan rate at a competitive 3.79% APR, making it an excellent choice for car buyers looking to save on interest. Motorcycle enthusiasts can find attractive rates too, especially at First Flight Federal Credit Union, where motorcycle loans start as low as 5.06%. While most credit unions have maintained steady rates over the past month, Chartway Credit Union showed a slight uptick from 4.24% to 4.75%, which is worth noting if you’re comparing offers. Families and buyers interested in recreational vehicles should be cautious—rates can climb as high as 18% at Americas Credit Union for RV loans, so locking in a lower rate sooner rather than later might be smart. Whether you’re buying your first car or upgrading your ride, understanding today’s rates can help you make informed decisions and keep more money in your pocket.
New - Vehicle Loans
Credit Union
Product
2025-06-17
(Current Day)
(Current Day)
2025-06-10
(7 Days Ago)
(7 Days Ago)
2025-06-02
(15 Days Ago)
(15 Days Ago)
2025-05-18
(30 Days Ago)
(30 Days Ago)
Penfed Credit Union
Auto
3.79 - 6.04
3.79 - 6.04
3.79 - 6.04
3.79 - 6.04
Navy Federal Credit Union
Auto
4.09 - 7.59
4.09 - 7.59
4.09 - 7.59
4.09 - 7.59
Americas Credit Union
Auto
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
Americas Credit Union
Motorcycle
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
8.05 - 11.49
Americas Credit Union
Recreational
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
First Flight Federal Credit Union
Auto
4.52 - 5.07
4.52 - 5.07
4.52 - 5.07
4.52 - 5.07
First Flight Federal Credit Union
Motorcycle
5.06 - 5.31
5.06 - 5.31
5.06 - 5.31
5.06 - 5.31
First Flight Federal Credit Union
Other
6.33 - 8.61
6.33 - 8.61
6.33 - 8.61
6.33 - 8.61
Delta Community Credit Union
Auto
4.69 - 16.39
4.69 - 16.39
4.69 - 16.39
4.69 - 16.39
Affinity Plus Federal Credit Union
Auto
4.74 - 5.74
4.74 - 5.74
4.74 - 5.74
4.74 - 5.74
Gardensavings Federal Credit Union
Auto
4.74 - 5.74
4.74 - 5.74
4.74 - 5.74
4.74 - 5.74
Penair Credit Union
Auto
4.74 - 17.49
4.74 - 17.49
4.74 - 17.49
4.74 - 17.49
Chartway Credit Union
Auto
4.75 - 6.09
4.49▼ 26 bps
4.99 - 5.25▲ 24 bps
4.24▼ 51 bps
Northrop Grumman Federal Credit Union
Auto
4.89 - 5.99
4.89 - 5.94
4.89 - 5.94
4.89 - 5.94
Penfed Credit Union
As of June 17, 2025, Penfed Credit Union’s new auto loan rates remain steady at 3.79% to 6.04% APR, unchanged over the past 30 days. This consistent range offers members reliable financing options for new vehicles. For those seeking affordability, the lowest rates starting at 3.79% APR present excellent value. Consider longer-term loan options if you want to lower your monthly payments while maintaining competitive rates. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
Navy Federal Credit Union
As of June 17, 2025, Navy Federal Credit Union's new auto loan rates remain steady at 4.09% to 7.59% APR, with no changes over the past 30 days. This consistent rate range offers members predictable financing for new vehicles. For those seeking affordability, the lower end of the range at 4.09% APR is a strong option. Consider longer-term loans to help reduce monthly payments while maintaining these stable rates. Staying informed on these unchanged rates can help members plan their vehicle purchase with confidence.
Americas Credit Union
As of June 17, 2025, Americas Credit Union's new vehicle loan rates remain steady across all products. New Auto loans hold the lowest APR range at 4.46% to 13.93%, offering the most affordable financing option for members. Both Motorcycle (8.05% - 11.49%) and Recreational loans (8.90% - 18.00%) maintain consistent rates with no changes in the past 30 days. For members seeking manageable payments, check long-term loan options within these stable APR ranges to maximize affordability and budget control.
First Flight Federal Credit Union
As of June 17, 2025, First Flight Federal Credit Union’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 4.52% - 5.07%, followed by Motorcycle loans at 5.06% - 5.31%, and Other vehicle loans ranging from 6.33% to 8.61%. For members seeking lower monthly payments, consider longer-term loan options within these stable rate ranges to better manage your budget while financing your new vehicle purchase.
Delta Community Credit Union
Delta Community Credit Union’s New Auto Loan rates remain steady at 4.69% to 16.39% APR over the past 30 days, offering consistent financing options. With no rate increases or decreases, members can confidently plan their purchases knowing these rates are stable. For those seeking affordable monthly payments, consider longer-term loans to spread out costs while maintaining competitive rates. Staying informed on rate trends ensures you get the best value when financing your new vehicle with Delta Community Credit Union.
Affinity Plus Federal Credit Union
As of June 17, 2025, Affinity Plus Federal Credit Union's New Auto Loan rates remain steady at 4.74% to 5.74% APR, unchanged over the past 30 days. This consistency offers members predictable financing for new vehicles. With no rate increases, now is a good time to explore new auto loan options. Consider longer-term loans to potentially lower your monthly payments while locking in these stable rates. Staying informed helps you make the best financing choice for your budget and vehicle needs.
Gardensavings Federal Credit Union
As of June 17, 2025, Gardensavings Federal Credit Union’s new Auto loan rates remain steady at 4.74% to 5.74% APR, unchanged over the past 30 days. This consistency offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordable monthly payments, consider longer-term loans to balance cost and budget. With stable rates, now is a good time to explore your new vehicle financing needs confidently with Gardensavings Federal Credit Union.
Penair Credit Union
As of June 17, 2025, Penair Credit Union’s New Auto Loan rates remain steady at 4.74% to 17.49% APR, unchanged over the past 30 days. This consistent rate range offers members reliable options for financing new vehicles. For those seeking affordable monthly payments, consider longer-term loans within this rate range to maximize budget flexibility. Keeping an eye on these stable rates can help you plan your vehicle purchase with confidence.
Chartway Credit Union
As of June 17, 2025, Chartway Credit Union’s New Auto Loan rates range from 4.75% to 6.09% APR, rising from 4.49% last week and higher than the 4.99%-5.25% seen 15 days ago. Over the past month, rates have increased notably from 4.24%. This indicates a steady upward trend in new auto loan rates. For members seeking affordability, locking in current rates soon may be wise. Additionally, exploring longer-term loans could help lower monthly payments amid rising APRs. Stay informed to make the best financing choice for your new vehicle purchase.
Northrop Grumman Federal Credit Union
As of June 17, 2025, Northrop Grumman Federal Credit Union’s New Auto loan rates range from 4.89% to 5.99% APR, showing a slight increase at the upper end compared to last week’s top rate of 5.94%. Rates remained stable over the past 30 days except for this small rise. For members seeking affordability, the lowest rate of 4.89% APR remains available. Consider longer-term loans if you want to lower your monthly payments while financing a new vehicle. Staying informed on these subtle shifts can help you time your loan application effectively.
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.
Conclusion
Looking ahead, consider locking in a low APR soon if you’re planning to finance a vehicle, especially given that some credit unions offer rates under 4%. If you already have an auto loan with a higher rate, now might be the time to explore refinancing options—credit unions like Penfed and First Flight Federal Credit Union offer attractive terms that could lower your monthly payments. For motorcycle and recreational vehicle buyers, it pays to shop around and compare rates carefully; smaller differences in APR can add up significantly over the life of your loan. Finally, keep an eye on market trends but don’t delay your purchase waiting for perfect timing—securing a good rate today often beats uncertain future fluctuations. Reach out to your local credit union to get personalized quotes and take advantage of these competitive offers.