Introduction
As of July 9, 2025, credit unions continue to offer competitive vehicle loan rates that can help you save big on your next purchase. The standout deal today is Americas Credit Union’s auto loans starting at a low 4.46% APR, perfect for car shoppers looking to keep financing costs down. Motorcycle enthusiasts will find attractive rates too, with Americas Credit Union offering motorcycle loans as low as 8.05%. Families eyeing recreational vehicles have options starting at 6.35% APR through Summit Credit Union, showing good value in this category. Notably, many credit unions have maintained steady rates over the past month, giving buyers confidence in locking in today’s terms without worrying about sudden hikes. For example, Americas Credit Union and First Flight Federal Credit Union show no rate changes over the last 30 days, signaling stable borrowing conditions. Meanwhile, some specialized lenders like State Employees CU of Maryland and American Airlines are holding firm on their low auto loan ranges around 4.49%, ideal for members seeking straightforward financing. If you’re ready to buy or refinance, today’s market offers solid opportunities to secure affordable monthly payments with a variety of flexible loan options across auto, motorcycle, and recreational vehicles.
Used - Vehicle Loans
Credit Union
Product
2025-07-09
(Current Day)
(Current Day)
2025-07-02
(7 Days Ago)
(7 Days Ago)
2025-06-24
(15 Days Ago)
(15 Days Ago)
2025-06-09
(30 Days Ago)
(30 Days Ago)
2025-05-25
(45 Days Ago)
(45 Days Ago)
2025-05-10
(60 Days Ago)
(60 Days Ago)
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
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
American Airlines
Auto
4.49 - 5.24
Tower
Auto
4.74 - 7.49
Blaze
Auto
4.75 - 7.90
California Coast
Auto
4.78 - 8.48
California Coast
Motorcycle
6.88 - 8.38
California Coast
Other
6.98 - 7.98
California Coast
Recreational
6.88 - 8.38
Northrop Grumman Federal Credit Union
Auto
4.89 - 6.24
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
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
5.19 - 5.31
First Flight Federal Credit Union
Recreational
6.74 - 8.61
Educators
Auto
4.94 - 10.69
Summit
Auto
4.95 - 6.95
4.95 - 6.95
Summit
Recreational
6.35 - 6.90
6.35 - 6.90
6.35 - 6.65
Americas Credit Union
As of July 9, 2025, used vehicle loan rates at Americas Credit Union remain steady across all products. Used Auto loans offer the most affordable APR range at 4.46% to 13.93%, unchanged for the past 30 days. Motorcycle loans hold firm between 8.05% and 11.49%, while Recreational vehicle rates stay at 8.90% to 18.00%. Members seeking lower monthly payments should consider longer-term used auto loans for better affordability. With no recent rate changes, now is a good time to explore financing options with confidence.
State Employees CU Of Maryland Inc
As of July 9, 2025, State Employees CU Of Maryland Inc maintains steady rates for Used Auto loans, with an APR range of 4.49% to 6.24%, unchanged over the past week. This consistent pricing offers members reliable affordability when financing a used vehicle. For those seeking manageable monthly payments, consider longer-term loan options to spread out costs. Staying informed on these stable rates can help members make timely, budget-friendly decisions when purchasing used vehicles through the credit union.
American Airlines
As of July 9, 2025, American Airlines Credit Union’s Used Auto Loan rates are newly available at 4.49% to 5.24% APR, with no prior data for comparison. This competitive rate range offers members affordable financing options for used vehicles. Explore these rates soon to secure favorable terms. For those seeking manageable payments, consider longer loan terms which may help lower monthly costs while financing your next vehicle purchase.
Tower
As of July 9, 2025, Tower’s Used Auto loans offer competitive rates ranging from 4.74% to 7.49% APR. With no prior data available, there’s no observed rate change this month. This range provides affordable financing options for members seeking used vehicles. For those aiming to lower monthly payments, exploring longer-term loan options could be beneficial. Keep an eye on Tower’s updates for potential rate shifts that might enhance your financing choices.
Blaze
This week, Blaze’s Used Auto Loan rates remain steady at 4.75% to 7.90% APR, with no changes reported over the past 30 days. These competitive rates offer members an affordable option for financing pre-owned vehicles. For those seeking manageable monthly payments, consider exploring longer loan terms to optimize your budget while benefiting from these stable rates. Staying informed on current APRs helps you make smarter financing decisions for your used vehicle purchase.
California Coast
As of July 9, 2025, California Coast's used vehicle loan rates are newly listed with no prior data for comparison. The most affordable option is the Used Auto Loan, ranging from 4.78% to 8.48% APR. Motorcycle and Recreational loans share similar rates between 6.88% and 8.38% APR, while the Other vehicle loan sits slightly higher at 6.98% to 7.98% APR. For members seeking flexibility, consider longer-term loans to lower monthly payments while securing competitive rates today. Keep an eye on updates as more rate trends become available.
Northrop Grumman Federal Credit Union
As of July 9, 2025, Northrop Grumman Federal Credit Union’s Used Auto Loan rates remain steady at 4.89% to 6.24% APR, unchanged over the past 7 and 30 days. This consistent rate range offers members a reliable option for affordable used vehicle financing. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional savings and budget flexibility. Keeping an eye on these stable rates can help you plan your next vehicle purchase with confidence.
First Flight Federal Credit Union
As of July 9, 2025, First Flight Federal Credit Union's used vehicle loan rates remain steady. Used Auto loans hold a competitive 4.90% - 5.07% APR, unchanged over the past 30 days, offering an affordable option for members. Motorcycle loans also maintain consistent rates at 5.19% - 5.31% APR. Newly listed, Recreational vehicle loans range from 6.74% to 8.61% APR, providing financing options for specialty vehicles. For members seeking lower monthly payments, consider exploring longer-term Used Auto loans to maximize affordability and budget flexibility.
Educators
As of July 9, 2025, Educators’ Used Auto Loan APR ranges from 4.94% to 10.69%, with no prior data available for comparison. This offers a broad spectrum of financing options for members seeking used vehicles. Members looking for the most affordable rates should consider loans near the 4.94% APR. For those prioritizing manageable monthly payments, exploring longer loan terms could provide added flexibility. Stay updated weekly to catch any rate changes that may benefit your financing choices.
Summit
This week at Summit, Used Auto loans remain steady with rates holding at 4.95% - 6.95% APR, offering consistent affordability. Meanwhile, Used Recreational loans held firm at 6.35% - 6.90% APR, unchanged over the past week but slightly higher than 15 days ago’s bottom rate of 6.65%. For members seeking value, the Used Auto loan’s low starting rate provides a budget-friendly option. Consider longer terms to reduce monthly payments while locking in these stable rates before any future changes.
LendMesh
You wouldn’t buy the first car you test drive—so why settle for the first loan you see? LendMesh helps you shop smarter by comparing vehicle loan rates from multiple lenders. It’s fast, simple, and tailored to you. Start now at https://www.lendmesh.com/loans/vehicle_loans and find your best fit.
Conclusion
Looking ahead, now is an excellent time to evaluate refinancing your current vehicle loan, especially if your rate is above today’s competitive credit union averages near 4.5%. With most rates stable for several weeks, locking in a lower APR could reduce your monthly expenses and shorten your payoff timeline. If you’re shopping for a new ride—whether it’s a car, motorcycle, or RV—consider applying through credit unions like Americas or Summit that provide consistently strong deals. Keep an eye on seasonal trends but don’t wait too long; interest rates can shift unexpectedly. Also, explore all loan types within your credit union membership since recreational vehicle loans often come with attractive rates not widely advertised elsewhere. Taking these proactive steps will help you maximize savings and drive away happy with the best financing in hand. Keep checking back as credit unions update their offers regularly—your ideal rate might be just around the corner!