June 18, 2025: Myconsumers CU Leads with 3.99% Auto Loan APR

Introduction

If you’re shopping for a vehicle on June 18, 2025, today’s credit union loan rates offer some solid opportunities to save. The lowest auto loan APR sits at an attractive 3.99% with Myconsumers Credit Union, holding steady from two weeks ago and giving buyers a chance to lock in a great deal. Motorcycle enthusiasts can find competitive rates as well, with First Flight Federal Credit Union offering rates as low as 5.19%. While most credit unions have maintained stable rates over the past month, some programs like Penair Credit Union show a wide range up to 17.49%, so it pays to shop around carefully. For families eyeing recreational vehicles, Digital Federal Credit Union offers rates starting at 9.24%, consistent across recent weeks. Whether you’re buying your first car or upgrading your ride, these stable and competitive rates mean now is a smart time to explore financing options that fit your budget and lifestyle.

Used - Vehicle Loans

Credit Union

Product

2025-06-18
(Current Day)

2025-06-11
(7 Days Ago)

2025-06-03
(15 Days Ago)

2025-05-19
(30 Days Ago)

2025-05-04
(45 Days Ago)

Myconsumers

Auto

3.99 - 6.44

3.99 - 6.89

3.99 - 6.44

Americas Credit Union

Auto

4.46 - 13.93

Americas Credit Union

Motorcycle

8.05 - 11.49

Americas Credit Union

Recreational

8.90 - 18.00

Penfed Credit Union

Auto

4.64 - 6.74

Penair Credit Union

Auto

4.74 - 17.49

Northrop Grumman Federal Credit Union

Auto

4.89 - 6.24

First Flight Federal Credit Union

Auto

4.90 - 5.07

First Flight Federal Credit Union

Motorcycle

5.19 - 5.31

First Flight Federal Credit Union

Other

6.74 - 8.61

Langley Federal Credit Union

Auto

4.99

Navy Federal Credit Union

Auto

4.99 - 5.59

Affinity Plus Federal Credit Union

Auto

4.99 - 6.49

Digital Federal Credit Union

Auto

4.99 - 11.74

Digital Federal Credit Union

Motorcycle

7.25 - 11.35

Digital Federal Credit Union

Recreational

9.24 - 11.74

Myconsumers

For used vehicle loans at Myconsumers, Auto loan rates remain steady at 3.99% to 6.44% APR today, unchanged from 30 days ago and down from 6.89% fifteen days ago. This stability offers members consistent, competitive financing options for used autos. With rates holding firm near historic lows, now is a great time to explore used auto loans if you want predictable monthly payments without rate increases. Consider checking term lengths to find the best fit for your budget and maximize affordability on your next vehicle purchase.

Americas Credit Union

As of June 18, 2025, Americas Credit Union’s used vehicle loan rates remain steady across all products. Used Auto loans offer the most affordable range at 4.46% to 13.93% APR, unchanged over the past 30 days. Motorcycle loans hold steady between 8.05% and 11.49% APR, while Recreational vehicle loans range from 8.90% to 18.00% APR with no rate movement. For members seeking value, consider used auto loans for the lowest starting rates. Review longer-term loan options if you want to manage monthly payments more comfortably with stable rates in place.

Penfed Credit Union

As of June 18, 2025, Penfed Credit Union’s Used Auto Loan rates remain steady at 4.64% to 6.74% APR, with no changes over the past 30 days. This consistent pricing offers members reliable financing options for used vehicles. For those seeking affordability, the current rates present a solid opportunity to secure financing without rate fluctuations. Consider longer loan terms if you want to lower monthly payments while maintaining competitive APRs on used auto loans. Staying informed about stable rates can help you plan your vehicle purchase confidently.

Penair Credit Union

Penair Credit Union’s used Auto loan rates remain steady at 4.74% to 17.49% APR over the past 30 days, offering consistent financing options for members. With no rate changes, this stability benefits those seeking reliable budgeting for used vehicle purchases. Members looking for affordable financing should consider these competitive rates, especially if prioritizing predictable payments. For lower monthly costs, explore longer-term loan options to spread out repayments while maintaining these steady APRs.

Northrop Grumman Federal Credit Union

As of June 18, 2025, used auto loan rates at Northrop Grumman Federal Credit Union remain steady at 4.89% to 6.24% APR, showing no change over the past 30 days. This consistency offers members reliable financing options for used vehicles without rate fluctuations. For those seeking affordability, the lower end of this range provides competitive rates. Consider exploring longer-term used auto loans to potentially reduce monthly payments while maintaining these stable rates. Staying informed helps members make confident decisions on used vehicle financing.

First Flight Federal Credit Union

As of June 18, 2025, used vehicle loan rates at First Flight Federal Credit Union remain steady across all products. Used Auto loans hold the lowest APR range at 4.90% - 5.07%, offering the most affordable financing option for members. Motorcycle loans maintain a consistent rate between 5.19% and 5.31%, while Other vehicle loans range from 6.74% to 8.61%. Since there have been no APR changes in the past 30 days, members seeking stable rates might consider locking in financing now. Check long-term loan options to potentially lower monthly payments when budgeting your used vehicle purchase.

Langley Federal Credit Union

As of June 18, 2025, Langley Federal Credit Union’s Used Auto Loan APR remains steady at 4.99%, showing no change over the past 30 days. This consistent rate offers members a reliable and affordable option for financing used vehicles. For those considering a purchase, locking in this stable rate now can provide predictable monthly payments. Members seeking manageable budgets may also want to explore longer-term loan options to further reduce monthly costs while taking advantage of these competitive rates.

Navy Federal Credit Union

As of June 18, 2025, Navy Federal Credit Union’s Used Auto Loan rates remain steady at 4.99% to 5.59% APR, showing no change over the past 30 days. This consistency offers members reliable, affordable financing for used vehicles without rate fluctuations. For those seeking manageable monthly payments, consider exploring longer loan terms to spread out costs while securing competitive rates. Staying informed on these stable rates can help members plan their vehicle purchases confidently.

Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union’s Used Auto Loan rates remain steady at 4.99% to 6.49% APR with no changes over the past 30 days. This consistent rate range offers members affordable financing for used vehicles without recent fluctuations. For those seeking predictable payments, locking in a loan now could be beneficial. Additionally, consider exploring longer-term loan options if you prefer lower monthly payments while maintaining competitive rates. Staying informed on these stable rates helps members plan their vehicle purchases confidently.

Digital Federal Credit Union

As of June 18, 2025, Digital Federal Credit Union’s used vehicle loan rates remain steady across all products. Used Auto loans offer the most affordable APR range at 4.99% to 11.74%, unchanged over the past 30 days. Motorcycle loans hold steady between 7.25% and 11.35%, while Recreational vehicle loans range from 9.24% to 11.74% with no rate movement. For members seeking lower monthly payments, consider exploring longer-term used auto loans to maximize affordability without rate increases. Staying informed on these stable rates can help you plan your next vehicle purchase confidently.

LendMesh

Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .

Conclusion

Looking ahead, keep an eye on credit unions like Myconsumers and First Flight Federal for consistently low APRs if you’re planning to finance a vehicle soon. If you already have a loan with higher rates, consider refinancing to take advantage of current offers around 4%–5% APR—this could significantly reduce your monthly payments. For motorcycle or RV buyers, exploring specialized programs at Digital Federal or Americas Credit Union may unlock better terms tailored to your needs. Don’t rush—compare loan terms carefully and check for any fees or prepayment penalties before committing. Staying informed about rate trends and acting when the numbers align with your budget is the best way to get more vehicle for your money in 2025.