Introduction

As of July 12, 2025, car shoppers and vehicle enthusiasts have some strong financing options to consider. The lowest auto loan rate today is an attractive 3.64% APR at Baxter Credit Union, offering a great starting point for buyers aiming to minimize interest costs. Motorcycle and recreational vehicle loans tend to run higher, with Navy Federal Credit Union’s motorcycle rates starting at 8.95%. Notably, most credit unions have maintained steady rates over the past week, with no significant jumps or drops—meaning now is a stable time to lock in financing without fearing sudden rate hikes. For families and riders looking for flexibility, First Flight Federal Credit Union presents competitive motorcycle loans around 4.94%, which is quite favorable compared to the broader market. If you’re hunting for the best deal on your next vehicle purchase or refinance, keeping an eye on these credit union rates can save you hundreds over the life of your loan.

New - Vehicle Loans

Credit Union
Product
2025-07-12
(Current Day)
2025-07-05
(7 Days Ago)
2025-06-27
(15 Days Ago)
2025-06-12
(30 Days Ago)
2025-05-28
(45 Days Ago)
2025-05-13
(60 Days Ago)
Baxter
Auto
3.64 - 6.44
3.64 - 6.44
3.64 - 5.14
Baxter
Other
6.49
6.49
6.49
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
American Airlines
Auto
3.99 - 4.74
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
8.95 - 10.80
Navy Federal Credit Union
Other
8.45 - 10.45
8.45 - 11.30
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
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
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
Broadview
Auto
4.49 - 8.74
4.49 - 8.74
4.49 - 8.74
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

Baxter

As of July 12, 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 5.14% fifteen days ago. The Other vehicle loan product holds firm at 6.49% APR with no recent changes. For members seeking affordability, the New Auto Loan offers the most competitive rates today. Consider longer-term loans to lower monthly payments while locking in these stable rates. Staying informed can help you choose the best financing option for your new vehicle purchase.

Consumers

As of July 12, 2025, Consumers’ New Auto Loan rates remain steady at 3.99% to 6.44% APR, unchanged over the past week. This consistent range offers members predictable financing for new vehicles without recent rate hikes. For those seeking affordable options, the lowest rate at 3.99% APR provides strong value for purchasing a new car. Members looking to manage monthly payments should consider longer-term loans, which often help spread costs more comfortably over time. Staying informed on these stable rates can aid in planning your next vehicle purchase with confidence.

American Airlines

As of July 12, 2025, American Airlines Credit Union’s new Auto loan rates remain steady at 3.99% to 4.74% APR, unchanged from one week ago. This stable rate range offers members affordable financing for new vehicles without recent increases. With no rate fluctuations over the past month, now is a great time to secure a competitive new auto loan rate. For those seeking manageable monthly payments, consider exploring longer-term loan options to balance affordability and flexibility.

Navy Federal Credit Union

As of July 12, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady across all products. New Auto loans offer the most affordable range at 4.09% to 7.59% APR, unchanged over the past 30 days. Motorcycle loans hold firm between 8.95% and 10.80% APR, while Recreational loans stay at 8.95% to 11.30% APR. Notably, the Other vehicle loan category narrowed from a previous high of 11.30% down to 10.45% APR, enhancing value for members in this segment. For budget-conscious buyers, consider longer terms to lower monthly payments without rate increases.

State Employees CU Of Maryland Inc

As of July 12, 2025, State Employees CU Of Maryland Inc maintains steady new Auto loan rates at 4.24% to 5.99% APR, unchanged from 15 days ago. This consistency provides members with reliable financing options for new vehicles. The competitive low end of 4.24% APR offers affordable borrowing for those seeking budget-friendly payments. For members prioritizing manageable monthly costs, consider exploring longer-term loan options to further reduce payment amounts without rate increases. Staying informed on these stable rates can help you plan your new vehicle purchase confidently.

First Flight Federal Credit Union

As of July 12, 2025, First Flight Federal Credit Union’s new Auto loan rates remain steady at 4.35% - 4.52% APR, unchanged from 7 and 15 days ago but down from last month’s higher range. The Motorcycle loan rates are stable at 4.94% - 5.06% APR, improving slightly from 30 days ago. Notably, the Recreational loan rates are available now at 6.24% - 8.08% APR, offering members more options. For the best value, consider the new Auto loans with the lowest APRs, and check long-term terms to reduce monthly payments on larger purchases.

Americas Credit Union

As of July 12, 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 option for members. Both Motorcycle (8.05% - 11.49%) and Recreational loans (8.90% - 18.00%) show no rate changes over the past 30 days. For members seeking manageable monthly payments, consider longer-term loan options to lower your installments while securing competitive rates on new vehicles.

Broadview

As of July 12, 2025, Broadview’s New Auto Loan rates remain steady at 4.49% to 8.74% APR, unchanged over the past 30 days. This consistency offers members reliable financing for new vehicles without unexpected rate increases. For those seeking affordability, the lowest APR of 4.49% provides a competitive option. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates. Staying informed on rate trends helps members make smart borrowing decisions aligned with their financial goals.

State Department Federal Credit Union

As of July 12, 2025, State Department Federal Credit Union’s New Auto Loan rates remain steady at 4.49% to 15.00% APR, matching last week’s rates and improving from 4.89% at both 15 and 30 days ago. This marks a 40 bps decrease in the lowest rate over the past two weeks, offering more affordable financing for members. For those seeking manageable monthly payments, consider longer-term loan options to maximize savings while purchasing your new vehicle. Staying informed on these rate trends can help you secure the best possible financing.

Fairwinds

As of July 12, 2025, Fairwinds’ new auto loan rates range from 4.49% to 6.00% APR, offering competitive financing for members. The Other vehicle loan product stands at 7.35% APR. With no previous data available, rate trends can’t be determined yet. For affordable monthly payments, consider checking longer-term new auto loan options within this range to find the best fit for your budget and needs.

LendMesh

Refinancing your vehicle loan could save you hundreds—or even thousands—over the life of your loan. LendMesh makes it easy to compare refinance offers from trusted credit unions and banks. If you’re looking for lower payments or better terms, visit https://www.lendmesh.com/loans/vehicle_loans today.

Conclusion

Looking ahead, consider taking advantage of today’s low auto loan rates by refinancing existing loans or purchasing soon, especially if you qualify for Baxter’s 3.64% APR or similar offers from Consumers and American Airlines Credit Unions. For motorcycle buyers, First Flight Federal’s rates just under 5% offer a rare opportunity to finance at a cost-effective level. Since most rates have remained stable recently, waiting longer may not yield better terms—so moving forward with a pre-approved loan could give you peace of mind and stronger negotiating power at the dealership. Finally, if you own an RV or other recreational vehicle, shop around among credit unions like Americas CU that offer flexible but higher-rate programs; budgeting accordingly will help avoid surprises. Smart timing combined with thorough research on credit union offerings will put you in the driver’s seat financially this summer.