Introduction

As of June 20, 2025, Penfed Credit Union leads the pack with the lowest auto loan APR starting at a competitive 3.79%, making it a top choice for car shoppers aiming to save on financing. Motorcycle enthusiasts can also find attractive rates at First Flight Federal Credit Union, where motorcycle loans begin as low as 5.06%. While most credit unions have maintained stable rates over the past month, Chartway Credit Union shows some volatility—its current auto loan rates have edged higher to a range of 4.75% to 6.09%, compared to last week’s lower band of 4.24%. For buyers considering recreational vehicles, Americas Credit Union offers a broad spectrum but at notably higher rates, topping out at 18%. If you’re in the market today, locking in a rate close to Penfed’s or First Flight’s could mean significant savings over time. Keep an eye on these steady low-rate options and act decisively to secure your best deal.

New - Vehicle Loans

Credit Union
Product
2025-06-20
(Current Day)
2025-06-13
(7 Days Ago)
2025-06-05
(15 Days Ago)
2025-05-21
(30 Days Ago)
2025-05-06
(45 Days Ago)
Penfed Credit Union
Auto
3.79 - 6.04
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
4.09 - 7.59
Americas Credit Union
Auto
4.46 - 13.93
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
8.05 - 11.49
Americas Credit Union
Recreational
8.90 - 18.00
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
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
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
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
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
4.74 - 5.74
Penair Credit Union
Auto
4.74 - 17.49
4.74 - 17.49
4.74 - 17.49
4.74 - 17.49
4.74 - 17.49
Chartway Credit Union
Auto
4.75 - 6.09
4.24 - 4.39▼ 51 bps
4.99 - 5.25▲ 24 bps
4.49 - 4.89▼ 26 bps
4.99▲ 24 bps
Northrop Grumman Federal Credit Union
Auto
4.89 - 5.99
4.89 - 5.94
4.89 - 5.94
4.89 - 5.94
4.89 - 6.04
State Department Federal Credit Union
Auto
4.89 - 15.00
4.89 - 15.00
4.89 - 15.00
4.89 - 15.00
4.89 - 15.00

Penfed Credit Union

As of June 20, 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 pricing offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordable monthly payments, exploring longer-term new auto loans may provide additional budgeting flexibility. With no recent rate increases or decreases, now is a stable time to consider financing your next vehicle through Penfed’s competitive new auto loan program.

Navy Federal Credit Union

As of June 20, 2025, Navy Federal Credit Union’s new auto loan rates remain steady at 4.09% to 7.59% APR, unchanged over the past 30 days. This consistency offers members reliable financing for new vehicles without rate fluctuations. For those seeking affordability, the lowest APR of 4.09% provides a competitive option. To manage monthly payments effectively, consider longer-term loan options which can help spread out costs. Staying informed on stable rates like these supports smart borrowing decisions for your next vehicle purchase.

Americas Credit Union

As of June 20, 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 for members. Motorcycle loans maintain rates between 8.05% and 11.49%, while Recreational loans range from 8.90% to 18.00%. With no rate changes in the past 30 days, members can confidently explore long-term loan options to lower monthly payments and budget effectively for their new vehicle purchase.

First Flight Federal Credit Union

As of June 20, 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 rates at 4.52% - 5.07% APR, followed by Motorcycle loans at 5.06% - 5.31% APR, and Other vehicle loans range from 6.33% to 8.61% APR. For members seeking lower monthly payments, exploring longer-term loan options could provide better affordability. Staying informed on these stable rates helps members plan their new vehicle financing confidently.

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 options for members financing new vehicles. The wide rate range allows borrowers with varying credit profiles to find suitable terms. For members seeking predictable payments, consider longer-term loans, which often help lower monthly costs despite the broader APR span. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.

Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union’s New Auto Loan rates remain steady at 4.74% to 5.74% APR over the past 30 days, offering consistent affordability for members financing new vehicles. With no rate changes recently, now is a good time to consider locking in these competitive rates. Check long-term loan options if you want to reduce monthly payments while securing a stable APR. This stability supports informed decisions for your new vehicle financing needs.

Penair Credit Union

As of June 20, 2025, Penair Credit Union’s new auto loan rates remain steady at 4.74% to 17.49% APR, showing no change over the past 30 days. This consistent range offers members predictable financing for new vehicles. For those seeking affordability, the lowest rates at 4.74% APR provide excellent value. Consider exploring different loan terms to balance monthly payments and total interest costs effectively. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.

Chartway Credit Union

As of June 20, 2025, Chartway Credit Union’s New Auto loan rates have increased notably to a range of 4.75% - 6.09% APR, up from 4.24% - 4.39% just 7 days ago and higher than the 4.99% - 5.25% seen 15 days ago. This marks a significant upward shift in borrowing costs over the past two weeks. For members seeking affordability, consider exploring longer-term loan options to help manage monthly payments despite rising rates. Staying informed on rate trends can help you time your financing for the best value.

Northrop Grumman Federal Credit Union

As of June 20, 2025, Northrop Grumman Federal Credit Union’s New Auto Loan rates remain steady at 4.89% to 5.99% APR, with a slight increase of 5 basis points at the top end compared to 7 and 15 days ago. Rates have held consistent over the past month, offering members stable financing options. For those seeking affordability, the lower end of the range at 4.89% APR continues to provide competitive value. Consider longer-term loan options to help manage monthly payments effectively while securing these stable rates.

State Department Federal Credit Union

As of June 20, 2025, new Auto loan rates at State Department Federal Credit Union remain steady at 4.89% to 15.00% APR, showing no change over the past 30 days. Members seeking affordable financing can benefit from the consistent low-end rate of 4.89% APR. For manageable monthly payments, consider longer-term loan options, which often provide lower rates and ease budgeting. Staying informed on stable rates helps members plan vehicle purchases with confidence and control.

LendMesh

Getting pre-approved for a car loan is like walking into the dealership with the upper hand. LendMesh makes it easy by connecting you to banks and credit unions ready to compete for your business. Start your search smart at https://www.lendmesh.com/loans/vehicle_loans .

Conclusion

Looking ahead, now is an excellent time to explore refinancing options if your current vehicle loan carries a higher interest rate, especially given Penfed’s standout low APRs. For families or enthusiasts eyeing new purchases, focusing on credit unions with consistently stable rates like Navy Federal or Affinity Plus can provide peace of mind and predictable payments. If you’re flexible on timing, watch for any shifts in Chartway’s rates—they’ve shown recent fluctuations that might open doors for better deals soon. Lastly, don’t overlook specialized loans such as motorcycles or recreational vehicles; while their rates tend to be higher, credit unions like First Flight offer competitive motorcycle financing worth considering. Staying informed and ready to act on these opportunities will put you in the driver’s seat toward smarter vehicle financing.