Introduction
As of July 18, 2025, car shoppers and motorcycle enthusiasts have some standout financing opportunities to consider. The lowest auto loan APR sits at an attractive 3.64% with Baxter Credit Union, making it a top pick for those hunting for great savings on their next vehicle purchase. Motorcycle buyers might look to First Flight Federal Credit Union, offering rates as low as 4.94%, while RV seekers should note Navy Federal Credit Union’s recreational loans starting at 8.95%. Rates have remained fairly steady over the past week, with no drastic shifts beyond a few basis points here and there, signaling a stable market to lock in a deal now. For families and individual buyers alike, these competitive credit union rates mean it’s worth exploring your local options before committing—a small difference in APR can save you hundreds over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2025-07-18
(Current Day)
(Current Day)
2025-07-11
(7 Days Ago)
(7 Days Ago)
2025-07-03
(15 Days Ago)
(15 Days Ago)
2025-06-18
(30 Days Ago)
(30 Days Ago)
2025-06-03
(45 Days Ago)
(45 Days Ago)
2025-05-19
(60 Days Ago)
(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
American Airlines
Auto
3.99 - 4.74
3.99 - 4.74
Consumers
Auto
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
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
Other
6.24 - 6.33
6.24 - 8.08
6.33 - 8.61▲ 9 bps
6.33 - 8.61▲ 9 bps
6.33 - 8.61▲ 9 bps
First Flight Federal Credit Union
Recreational
7.99 - 8.08
6.24 - 8.08▼ 175 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
Fairwinds
Auto
4.49 - 6.00
4.49 - 6.00
Fairwinds
Other
7.35
7.35
State Department Federal Credit Union
Auto
4.49 - 15.00
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
Baxter
As of July 18, 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% fifteen days ago, indicating a recent rate increase on the higher end. The New Other vehicle loan rate holds firm at 6.49% APR with no change in the last 30 days. For members seeking affordability, new auto loans offer the most competitive rates. Consider checking longer-term loan options to potentially reduce monthly payments despite stable APRs.
American Airlines
As of July 18, 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 consistent range offers members reliable financing options for new vehicles without recent rate increases. For those seeking affordable monthly payments, exploring longer-term loan durations could be beneficial. With stable rates, now is a good time to consider financing a new vehicle while taking advantage of competitive pricing tailored to member needs.
Consumers
As of July 18, 2025, Consumers’ New Auto Loan rates remain steady at 3.99% to 6.44% APR, showing no change over the past week or month. This consistent rate range offers members reliable financing options for new vehicles without recent fluctuations. For those seeking predictable payments, consider exploring longer-term loans to manage monthly costs effectively. Staying informed on these stable rates helps members plan their vehicle purchases with confidence and affordability in mind.
Navy Federal Credit Union
As of July 18, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady across all products. New Auto loans offer the most affordable APR range at 4.09% to 7.59%, unchanged over the past 30 days. Motorcycle, Recreational, and Other vehicle loans hold consistent rates between 8.45% and 11.30%. For members seeking value, consider the competitive new auto loan rates for cost-effective financing. Additionally, explore longer-term loan options to help manage monthly payments without rate increases. Staying informed helps you secure the best terms for your next vehicle purchase.
State Employees CU Of Maryland Inc
As of July 18, 2025, State Employees CU Of Maryland Inc maintains steady rates for New Auto Loans, with APRs holding firm at 4.24% to 5.99%—no changes over the past 30 days. This consistent pricing offers members reliable financing options without unexpected rate increases. For those seeking affordability, the lower end of the range provides competitive rates for new vehicle purchases. Consider longer-term loan options if you want to reduce your monthly payments while locking in these stable rates. Staying informed on these steady APRs helps you plan your vehicle financing confidently.
First Flight Federal Credit Union
As of July 18, 2025, First Flight Federal Credit Union’s new auto loan rates remain steady at 4.35% - 4.52%, unchanged over the past 15 days but down from 4.52% - 5.07% a month ago. Motorcycle loans hold firm at 4.94% - 5.06%, showing stability versus prior periods. Notably, Recreational loan rates increased to 7.99% - 8.08% from last week’s range. For affordable financing, members should consider new auto loans with the lowest APRs or explore longer terms for manageable payments on higher-rate products like recreational loans.
Americas Credit Union
As of July 18, 2025, Americas Credit Union's new vehicle loan rates remain stable across all products with no changes in the past 30 days. New Auto loans offer the most affordable APR range at 4.46% to 13.93%, ideal for members seeking budget-friendly financing. Motorcycle loans hold steady between 8.05% and 11.49%, while Recreational loans range from 8.90% to 18.00%. For those prioritizing manageable monthly payments, consider longer-term options within these fixed rates to maximize affordability and flexibility.
Fairwinds
As of July 18, 2025, Fairwinds’ new Auto loan rates remain steady at 4.49% to 6.00% APR, offering some of the most affordable financing options available. The Other vehicle loan program holds firm at a 7.35% APR with no recent changes. Members seeking cost-effective solutions should consider new Auto loans for lower rates and explore longer terms to reduce monthly payments. Staying informed on rate stability can help members plan their vehicle purchases confidently.
State Department Federal Credit Union
As of July 18, 2025, State Department Federal Credit Union’s New Auto Loan rates remain steady at 4.49% to 15.00% APR, unchanged over the past 30 days. The lowest rates start at 4.49%, offering members affordable financing for new vehicles. For those seeking manageable monthly payments, consider longer-term loan options to spread out costs while securing competitive rates. Staying informed on these stable rates can help members plan their next vehicle purchase with confidence.
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, if you’re considering buying or refinancing, now is a smart time to act while rates hold steady. Keep an eye on credit unions like Baxter and First Flight Federal for consistently low auto and motorcycle loan rates that can stretch your budget further. For those with existing loans, checking if refinancing could lower your APR—even by a fraction—can unlock significant savings. If you’re planning on purchasing an RV or recreational vehicle, don’t overlook Navy Federal or Americas Credit Union, where competitive offers could make your dream getaway more affordable. Ultimately, staying informed and comparing these credit union rates regularly will help you make confident decisions—whether you’re upgrading your ride today or planning for tomorrow’s adventures.