Introduction

On July 2, 2025, car shoppers and motorcycle enthusiasts have some attractive financing options to consider. The lowest auto loan rate today is an impressive 3.64% APR at Baxter Credit Union, perfect for buyers focused on saving over the life of their loan. Motorcycle financing also remains competitive, with First Flight Federal Credit Union offering rates as low as 5.19%. While most credit unions show stable rates this week, Myconsumers Credit Union’s auto loan range has widened slightly at the top end from 6.44% to 6.89%, indicating some movement worth watching. Recreational vehicle loans carry higher rates overall, but Summit and Americas Credit Union offer relatively moderate ranges starting in the mid-6% to low-8% territory. Whether you’re shopping for a family SUV, a sleek motorcycle, or an RV adventure, today’s market holds solid opportunities to lock in reasonable financing—especially if you prioritize credit unions like Baxter or First Flight for their standout deals.

Used - Vehicle Loans

Credit Union
Product
2025-07-02
(Current Day)
2025-06-25
(7 Days Ago)
2025-06-17
(15 Days Ago)
2025-06-02
(30 Days Ago)
2025-05-18
(45 Days Ago)
Baxter
Auto
3.64
Baxter
Other
6.49
Myconsumers
Auto
3.99 - 6.89
3.99 - 6.44
3.99 - 6.89
3.99 - 6.44
3.99 - 6.44
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
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
Northrop Grumman Federal Credit Union
Auto
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
4.89 - 6.24
First Flight Federal Credit Union
Auto
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
4.90 - 5.07
First Flight Federal Credit Union
Motorcycle
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
5.19 - 5.31
First Flight Federal Credit Union
Other
6.74 - 8.61
6.74 - 8.61
6.74 - 8.61
6.74 - 8.61
6.74 - 8.61
Summit
Auto
4.95 - 6.95
Summit
Recreational
6.35 - 6.90
6.35 - 6.65
Langley
Auto
4.99 - 6.49
4.99 - 6.49
4.99
4.99
4.99
Penair Credit Union
Auto
4.99 - 6.49
4.74 - 17.49▼ 25 bps
4.74 - 17.49▼ 25 bps
4.74 - 17.49▼ 25 bps

Baxter

As of July 2, 2025, Baxter’s Used Auto Loan rate stands at a competitive 3.64% APR, with no prior data to compare changes. The Used Other Vehicle Loan is offered at 6.49% APR. While no rate trends are available yet, the low APR on used auto loans provides strong value for members seeking affordable financing. For those prioritizing manageable monthly payments, consider exploring longer-term loan options to spread out costs effectively. Stay tuned for updates as more data becomes available to track rate movements over time.

Myconsumers

For used auto loans at Myconsumers, rates remain steady today at 3.99% to 6.89% APR, with the upper rate increasing by 45 bps compared to 7 days ago but unchanged from 15 days prior. The lowest rates hold firm at 3.99% APR, offering members affordable financing options. If you’re looking for predictable payments, consider locking in these stable rates now before potential increases. For flexibility, explore loan terms that fit your budget, as longer terms may help reduce monthly payments while maintaining competitive APRs.

Americas Credit Union

As of July 2, 2025, Americas Credit Union’s used vehicle loan rates remain steady across all products. Used Auto loans offer the most affordable rates, ranging from 4.46% to 13.93% APR, unchanged over the past 30 days. Motorcycle loans hold at 8.05% to 11.49% APR, while Recreational vehicle loans maintain a higher range of 8.90% to 18.00% APR. For members seeking lower monthly payments, consider exploring longer-term options within the used auto loan program for optimal affordability and flexibility.

State Employees CU Of Maryland Inc

As of July 2, 2025, State Employees CU Of Maryland Inc offers a used auto loan APR range of 4.49% to 6.24%, with no prior data available for comparison. This competitive rate provides members an affordable option for financing used vehicles. Consider locking in your rate now to secure low financing costs. For those seeking manageable monthly payments, explore longer-term loan options within this range to fit your budget comfortably.

Northrop Grumman Federal Credit Union

For July 2, 2025, Northrop Grumman Federal Credit Union’s Used Auto Loan rates remain steady at 4.89% to 6.24% APR, unchanged from both 15 and 30 days ago. This consistency offers members predictable financing costs when purchasing a used vehicle. With rates holding firm, now is a good time to consider fixed-rate loans for budgeting ease. Members seeking affordable options should focus on the lower end of the APR range to maximize savings over their loan term.

First Flight Federal Credit Union

As of July 2, 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%, unchanged over the past 30 days, offering the most affordable financing option. Motorcycle loans stay stable between 5.19% and 5.31%, while the Other vehicle loan rates range from 6.74% to 8.61%, also unchanged. For members seeking flexibility, consider longer terms on used auto loans to lower monthly payments without rate increases. Monitoring these consistent rates can help you plan your next purchase confidently.

Summit

As of July 2, 2025, Summit's Used Auto loans offer competitive rates between 4.95% and 6.95% APR, with no prior data for comparison. The Used Recreational loan rates remain steady, ranging from 6.35% to 6.90% APR, unchanged over the past week. For members seeking the most affordable financing, Used Auto loans provide the lowest starting APRs. Consider longer-term loans to lower monthly payments while managing interest costs effectively. Stay informed on rate trends to choose the best option for your vehicle purchase.

Langley

For July 2, 2025, Langley’s used Auto loan rates remain steady at 4.99% to 6.49% APR, unchanged over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. The most affordable used auto loans start at 4.99% APR, providing competitive terms for budget-conscious borrowers. For those seeking manageable payments, consider longer-term loans to spread out costs effectively while securing these stable rates. Staying informed on rate trends can help members plan vehicle purchases with confidence.

Penair Credit Union

As of July 2, 2025, Penair Credit Union’s Used Auto Loan rates range from 4.99% to 6.49% APR, showing a tightening from the broader 4.74% to 17.49% seen 15 and 30 days ago. This marks a significant reduction in the upper rate band, offering more affordable financing options for members. Used auto loans have improved substantially over the past month, presenting a valuable opportunity for budget-conscious buyers. Consider locking in these competitive rates now to benefit from lower interest costs on your next used vehicle purchase.

LendMesh

Car shopping is exciting—until the financing part gets confusing. That’s where LendMesh comes in. We’ve built a platform that helps you compare real-time vehicle loan offers from trusted banks and credit unions—all in one place. Find the right rate and hit the road with confidence: https://www.lendmesh.com/loans/vehicle_loans .

Conclusion

Looking ahead, it’s wise to consider refinancing if your current loan rate exceeds these competitive offers, particularly with Baxter’s ultra-low auto APR leading the pack. If you’re planning to buy soon, locking in rates now could protect you from potential increases given the slight fluctuations seen at Myconsumers and Penair recently. For motorcycle buyers, exploring First Flight Federal Credit Union’s consistent mid-5% range can mean substantial savings over time. Families eyeing recreational vehicles might want to monitor Summit and Americas Credit Union for stable yet affordable financing options before making a move. Overall, staying informed about weekly rate changes and focusing on credit unions with strong offers can help you get the best deal on your next vehicle purchase or refinance—smart timing combined with credit union advantages equals big savings down the road.