Introduction

As of July 11, 2025, car shoppers and motorcycle enthusiasts have some solid financing options to consider. The lowest auto loan APR is an attractive 3.64% at Baxter Credit Union, making it a standout choice for anyone ready to buy a new ride. Motorcycle buyers should also note that First Flight Federal Credit Union offers competitive rates starting at 4.94%, with recreational vehicle loans beginning around 6.24%. While many credit unions held steady over the past week, Baxter's auto rates remain stable after tightening slightly 15 days ago, offering consistent value. Navy Federal Credit Union continues to serve a broad range of vehicle financing needs but at higher APRs, especially for motorcycles and recreational loans where rates climb above 8%. If you’re hunting for the best deal, focusing on credit unions like Baxter or American Airlines can save you significant interest over time. Keep an eye on these rates—they’re your ticket to lowering monthly payments and driving away with confidence.

New - Vehicle Loans

Credit Union
Product
2025-07-11
(Current Day)
2025-07-04
(7 Days Ago)
2025-06-26
(15 Days Ago)
2025-06-11
(30 Days Ago)
2025-05-27
(45 Days Ago)
2025-05-12
(60 Days Ago)
Baxter
Auto
3.64 - 6.44
3.64 - 6.44
3.64 - 5.14
Baxter
Other
6.49
6.49
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
American Airlines
Auto
3.99 - 4.74
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
8.45 - 10.45
Navy Federal Credit Union
Recreational
8.95 - 11.30
8.95 - 11.30
8.95 - 11.30
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
First Flight Federal Credit Union
Auto
4.35 - 4.52
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
First Flight Federal Credit Union
Motorcycle
4.94 - 5.06
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
First Flight Federal Credit Union
Recreational
6.24 - 8.08
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 Department Federal Credit Union
Auto
4.49 - 15.00
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
Fairwinds
Auto
4.49 - 6.00
Fairwinds
Other
7.35
Apple
Auto
4.49
4.49
4.49
Apple
Motorcycle
4.54
4.54
4.54

Baxter

As of July 11, 2025, Baxter’s New Auto loan rates remain steady at 3.64% to 6.44% APR, unchanged over the past 7 days but up from a low of 3.64% to 5.14% APR fifteen days ago, indicating a slight increase in higher-tier rates. The Other vehicle loan rate holds firm at 6.49% APR with no recent changes. For members seeking affordability, the lowest New Auto APR of 3.64% offers great value. Consider exploring longer-term loans to manage monthly payments effectively while securing competitive rates.

Consumers

As of July 11, 2025, Consumers’ New Auto Loan rates remain steady at 3.99% to 6.44% APR, unchanged over the past week. This consistent pricing offers members reliable access to affordable financing for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide better budgeting flexibility. Staying informed on rate trends helps members make confident decisions when financing their next new vehicle purchase.

American Airlines

As of July 11, 2025, American Airlines' New Auto Loan rates range from 3.99% to 4.74% APR, with no previous data available for comparison. This competitive rate offers members an affordable financing option for new vehicles. For those seeking manageable monthly payments, consider longer-term loan options to spread out costs effectively. Staying informed on these rates can help you make the best decision when financing your next new vehicle purchase.

Navy Federal Credit Union

As of July 11, 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. Rates for Motorcycle (8.95% - 10.80%), Other (8.45% - 10.45%), and Recreational (8.95% - 11.30%) loans also remain stable compared to 15 days ago. For budget-conscious borrowers, consider longer-term loans to lower monthly payments while locking in these consistent rates.

State Employees CU Of Maryland Inc

As of July 11, 2025, State Employees CU Of Maryland Inc maintains steady rates on new Auto loans, with APRs holding firm at 4.24% to 5.99% over the past 30 days. This consistent pricing offers members reliable financing for new vehicles without rate fluctuations. For affordable monthly payments, consider exploring longer-term loan options within this range to best fit your budget. Staying informed on these stable rates can help you plan your vehicle purchase confidently.

First Flight Federal Credit Union

As of July 11, 2025, First Flight Federal Credit Union's new vehicle loan rates remain steady for both Auto (4.35% - 4.52%) and Motorcycle loans (4.94% - 5.06%) compared to one week and 15 days ago. Notably, Auto loan rates have improved by up to 55 bps over the past 30 days, offering members more affordable financing. The Recreational loan APRs are available at 6.24% - 8.08% with no prior data for comparison. For members seeking lower monthly payments, consider exploring longer-term new auto loans to maximize affordability.

Americas Credit Union

As of July 11, 2025, Americas Credit Union’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer the lowest APR range at 4.46% to 13.93%, providing members an affordable option for financing. Motorcycle loans hold steady between 8.05% and 11.49%, while Recreational vehicle loans range from 8.90% to 18.00%. For members seeking manageable monthly payments, consider exploring longer-term loan options within these programs to maximize affordability and fit your budget comfortably.

State Department Federal Credit Union

As of July 11, 2025, State Department Federal Credit Union’s New Auto Loan APR remains steady at 4.49% - 15.00%, unchanged from 7 days ago but improved by 40 bps on the lower end compared to 15 and 30 days ago (4.89%). This offers members more affordable financing options for new vehicles. For those seeking manageable monthly payments, consider longer-term loan options to maximize savings while maintaining flexibility. Staying informed on these rates can help you secure the best deal when financing your next vehicle.

Fairwinds

As of July 11, 2025, Fairwinds’ new auto loan rates are available at a competitive 4.49% to 6.00% APR, providing affordable options for members financing new vehicles. The Other vehicle loan product stands at a fixed 7.35% APR today. Since no prior data is available for comparison, no rate changes can be reported this week. For members seeking lower monthly payments, consider longer-term loan options within these products to maximize affordability and flexibility. Stay informed to choose the best financing fit for your new vehicle purchase.

Apple

As of July 11, 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 over the past 30 days. These consistent rates offer members reliable, affordable financing options. For those seeking manageable payments, consider longer-term loans within these programs to balance monthly costs effectively. Staying informed on rate stability can help you plan your new vehicle purchase confidently with Apple Credit Union.

LendMesh

A better car doesn’t have to mean a worse budget. LendMesh helps you find vehicle loans with low rates and fair terms—so you can upgrade your ride without the financial stress. Compare lender offers in real time at https://www.lendmesh.com/loans/vehicle_loans and take the wheel with confidence.

Conclusion

Looking ahead, consider locking in today’s low rates if you’re planning a purchase soon, especially from credit unions like Baxter that offer some of the best deals on auto loans. For existing borrowers, now could be an ideal time to explore refinancing options to reduce your interest costs given the competitive landscape. Motorcycle and RV buyers may want to act promptly as their rates tend to be higher and less stable across lenders. Monitoring these trends regularly will empower you to make informed decisions—whether you’re upgrading your family vehicle or adding a recreational ride to your garage. Remember, staying proactive about your financing can lead to significant savings down the road, so keep these numbers handy when negotiating your next loan.