Introduction

On July 4, 2025, savvy vehicle shoppers and riders have some standout financing opportunities to consider. If you’re looking for the lowest APR on an auto loan, Baxter Credit Union leads with an impressive 3.64%, offering a strong option for those financing a car purchase. Motorcycle enthusiasts should check out Apple Credit Union’s flat 4.54% rate, currently one of the most competitive for two-wheeled rides. While most credit unions have maintained steady rates over the past month, First Flight Federal Credit Union shows a slight improvement in auto loan rates recently, tightening from 4.52% to as low as 4.35% this week—a small but meaningful drop that could save buyers money over time. On the other hand, State Department Federal Credit Union’s auto loans remain at a higher spectrum reaching up to 15%, so it pays to shop around carefully. Whether you’re eyeing a family SUV or your dream motorcycle, today’s credit union rates offer practical paths to save—especially if you act on these best current deals.

New - Vehicle Loans

Credit Union
Product
2025-07-04
(Current Day)
2025-06-27
(7 Days Ago)
2025-06-19
(15 Days Ago)
2025-06-04
(30 Days Ago)
2025-05-20
(45 Days Ago)
2025-05-05
(60 Days Ago)
Envision Credit Union
Auto
5.99 - 6.59
5.99 - 6.59
5.99 - 6.59
5.99 - 6.59
5.99 - 6.59
5.99 - 6.59
Envision Credit Union
Motorcycle
7.04 - 7.64
7.04 - 7.64
7.04 - 7.64
Envision Credit Union
Other
3.00 - 18.00
7.04 - 11.74▲ 404 bps
7.04 - 11.74▲ 404 bps
Baxter
Auto
3.64 - 5.14
3.64 - 5.14
Baxter
Other
6.49
6.49
Myconsumers
Auto
3.99 - 6.89
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
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
4.09 - 7.59
Navy Federal Credit Union
Motorcycle
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.45 - 10.45
8.45 - 10.45
Navy Federal Credit Union
Recreational
8.95 - 11.30
8.95 - 11.30
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
First Flight Federal Credit Union
Auto
4.35 - 4.52
4.35 - 4.52
4.52 - 5.07▲ 17 bps
4.52 - 5.07▲ 17 bps
4.52 - 5.07▲ 17 bps
4.52 - 5.07▲ 17 bps
First Flight Federal Credit Union
Motorcycle
4.94 - 5.06
4.94 - 5.06
5.06 - 5.31▲ 12 bps
5.06 - 5.31▲ 12 bps
5.06 - 5.31▲ 12 bps
5.06 - 5.31▲ 12 bps
First Flight Federal Credit Union
Other
6.24 - 8.08
6.24 - 8.08
6.33 - 8.61▲ 9 bps
6.33 - 8.61▲ 9 bps
6.33 - 8.61▲ 9 bps
6.33 - 8.61▲ 9 bps
Americas Credit Union
Auto
4.46 - 13.93
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
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
8.90 - 18.00
Apple
Auto
4.49
4.49
Apple
Motorcycle
4.54
4.54
State Department Federal Credit Union
Auto
4.49 - 15.00
4.89 - 15.00▲ 40 bps
4.89 - 15.00▲ 40 bps
4.89 - 15.00▲ 40 bps
4.89 - 15.00▲ 40 bps
4.89 - 15.00▲ 40 bps
Royal
Auto
4.69 - 6.79
4.69 - 6.79
Royal
Other
5.09 - 7.59
5.09 - 7.59

Envision Credit Union

As of July 4, 2025, Envision Credit Union's new vehicle loan rates remain steady. New Auto loans hold firm at 5.99% - 6.59% APR, unchanged over 30 days. Motorcycle loans are consistent at 7.04% - 7.64% APR, matching rates from 15 days ago. The Other vehicle loan category shows a wider range today, from 3.00% to 18.00% APR, with the lower end improving since 15 days ago (previously 7.04%). For members seeking affordability, consider the Other vehicle loans’ lower APR options or explore longer terms to manage monthly payments effectively.

Baxter

As of July 4, 2025, Baxter’s New Auto loan rates remain steady at 3.64% to 5.14% APR, unchanged from a week ago. The Other vehicle loan product holds firm at 6.49% APR over the same period. With no recent rate changes, members can confidently consider new auto loans for affordable financing. For those seeking lower monthly payments, exploring longer-term loan options could provide added flexibility. Staying informed on these stable rates helps members plan their vehicle purchases with confidence and clarity.

Myconsumers

As of July 4, 2025, Myconsumers' New Auto Loan APR remains steady at 3.99% - 6.89%, showing a slight increase at the upper end compared to 6.44% over the past 30 days. The base rate holds firm at 3.99%, offering members affordable financing options for new vehicles. Consider locking in rates now before potential increases continue. For manageable payments, explore longer-term loan programs to balance monthly costs without compromising on competitive APRs.

Navy Federal Credit Union

As of July 4, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady across all products. New Auto loans hold the lowest APR range at 4.09% - 7.59%, unchanged over the past 30 days, offering members the most affordable financing option. Motorcycle (8.95% - 10.80%), Recreational (8.95% - 11.30%), and Other vehicle loans (8.45% - 10.45%) also maintain consistent rates this week. For members seeking manageable payments, consider longer-term Auto loans to maximize affordability without rate increases. Staying informed helps you secure the best financing for your next new vehicle purchase.

State Employees CU Of Maryland Inc

As of July 4, 2025, State Employees CU Of Maryland Inc maintains stable rates for New Auto Loans, with APRs ranging from 4.24% to 5.99%, unchanged over the past 7 days. This consistency offers members reliable financing options for new vehicles. The lower end at 4.24% APR remains one of the more affordable choices available. For those seeking manageable payments, consider longer-term loan options to spread out costs while benefiting from competitive rates. Staying informed on these steady rates can help members plan their vehicle purchases confidently.

First Flight Federal Credit Union

As of July 4, 2025, First Flight Federal Credit Union's new vehicle loan rates remain steady compared to 7 days ago. The new Auto loan APR ranges from 4.35% to 4.52%, offering the most affordable financing option for members. Motorcycle loans hold at 4.94% to 5.06%, while the Other vehicle category stays between 6.24% and 8.08%. Compared to 15 and 30 days ago, rates have slightly improved, especially for Auto loans, which dropped by about 15 bps over the past month. Members seeking lower payments should consider longer-term Auto loans to maximize affordability.

Americas Credit Union

As of July 4, 2025, Americas Credit Union's new vehicle loan rates remain steady across all products. New Auto loans hold the most affordable APR range at 4.46% - 13.93%, unchanged over the past 30 days. Motorcycle loans maintain rates between 8.05% - 11.49%, while Recreational loans range from 8.90% to 18.00% with no recent shifts. For members seeking lower monthly payments, consider longer-term Auto loan options to maximize affordability and budgeting flexibility. Staying informed on consistent rates can help you plan your next vehicle purchase with confidence.

Apple

As of July 4, 2025, Apple’s new vehicle loan rates remain steady with the Auto loan at 4.49% APR and the Motorcycle loan at 4.54% APR, unchanged from last week. These competitive rates offer members affordable financing options for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loans to optimize affordability. Staying informed on rate stability helps members plan their purchases confidently.

State Department Federal Credit Union

As of July 4, 2025, State Department Federal Credit Union’s New Auto Loan rates have improved, dropping from a range of 4.89% - 15.00% over the past 30 days to a more competitive 4.49% - 15.00% today. This 40 basis point decrease at the low end offers members a better opportunity to finance new vehicles affordably. For those seeking manageable monthly payments, consider exploring longer-term loan options to maximize savings. Staying informed on these rate trends can help you make smarter financing decisions for your next vehicle purchase.

Royal

As of July 4, 2025, Royal's new vehicle loan rates remain steady with Auto loans at 4.69% - 6.79% APR and Other vehicle loans at 5.09% - 7.59% APR, unchanged from one week ago. These consistent rates offer members reliable financing options for new vehicles. For those seeking affordability, new Auto loans provide the lowest starting APR. Consider checking longer-term loan options to potentially lower monthly payments while financing your new vehicle purchase.

LendMesh

Whether you're buying your first car or upgrading to a family SUV, LendMesh makes vehicle financing simple. We partner with banks and credit unions to give you transparent, competitive loan offers—no hidden surprises. Visit https://www.lendmesh.com/loans/vehicle_loans to explore your options and drive away with peace of mind.

Conclusion

Looking ahead, now is an excellent time to explore refinancing options if your current loan exceeds these competitive rates—credit unions like Baxter and Apple offer attractive terms that could lower your monthly payments or shorten your payoff period. For buyers planning new purchases, keep an eye on small rate shifts like those at First Flight Federal Credit Union; even modest dips can add up when financing larger vehicles. If you’re flexible, consider timing your purchase toward weeks when lenders update their offers, as stability in many programs suggests favorable conditions may persist shortly. Lastly, don’t overlook specialized loans such as recreational or “other” vehicle categories—these often carry wider APR ranges but can sometimes yield bargains at select credit unions like Envision or Royal. In short, compare multiple credit unions, prioritize low APRs like Baxter’s 3.64%, and stay proactive about market changes to secure the best financing deal for your next vehicle adventure.