Introduction

As of July 24, 2025, savvy vehicle shoppers have plenty of reasons to smile—Baxter Credit Union leads the pack with the lowest auto loan APR starting at an impressive 3.64%, offering a solid range up to 6.44%. Whether you’re eyeing a car or motorcycle, today’s rates reveal some excellent opportunities to lock in affordable financing. Notably, Keesler’s auto loans debut at 3.99%, while Shell's auto program shows a wider range topping out at 18%, reflecting options for various credit profiles. Motorcycle enthusiasts should check out Keesler’s steady 6.49%-8.49% range for dependable financing, unchanged over the past month. Most credit unions have kept their rates stable over recent weeks, but First Flight Federal Credit Union stands out with a slight tightening from 4.35-4.52% down to a flat 4.35%, shaving off up to 17 basis points—a welcome change if you’re ready to buy now. For families and individual buyers alike, knowing where the best deals sit today can translate into thousands saved over your loan term.

New - Vehicle Loans

Credit Union
Product
2025-07-24
(Current Day)
2025-07-17
(7 Days Ago)
2025-07-09
(15 Days Ago)
2025-06-24
(30 Days Ago)
2025-06-09
(45 Days Ago)
2025-05-25
(60 Days Ago)
Baxter
Auto
3.64 - 6.44
3.64 - 6.44
3.64 - 6.44
3.64 - 5.14
Baxter
Other
6.49
6.49
6.49
Keesler
Auto
3.99 - 9.49
Keesler
Motorcycle
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
Keesler
Other
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
Shell
Auto
3.99 - 18.00
Consumers
Auto
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
Other
8.45 - 10.45
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
8.95 - 11.30
Certified
Auto
4.09 - 6.49
Safefed
Auto
4.24 - 9.24
Safefed
Recreational
6.50 - 8.00
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
FCcu
Auto
4.34 - 17.44
FCcu
Recreational
7.99 - 17.99
First Flight Federal Credit Union
Auto
4.35
4.35 - 4.52
4.35 - 4.52
4.35 - 4.52
4.52 - 5.07▲ 17 bps
4.52 - 5.07▲ 17 bps

Baxter

As of July 24, 2025, Baxter’s new auto loan rates remain steady at 3.64% to 6.44% APR, unchanged over the past 30 days after a previous dip from 5.14%. The Other vehicle loan rate holds firm at 6.49% APR with no recent changes. For members seeking affordability, new auto loans offer the lowest starting rates. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates. Staying informed on rate trends helps you make confident financing decisions for your next vehicle purchase.

Keesler

As of July 24, 2025, Keesler’s new vehicle loan rates remain steady with no changes over the past month. New Auto loans offer the lowest APR range at 3.99% to 9.49%, providing an affordable option for members financing new cars. Motorcycle loans hold steady between 6.49% and 8.49%, while the Other vehicle loan rates range from 5.74% to 9.24%. For members seeking budget-friendly monthly payments, exploring longer-term loan options could be beneficial given these consistent rates. Stay informed to choose the best fit for your new vehicle financing needs.

Shell

As of July 24, 2025, Shell’s New Auto Loan rates range from 3.99% to 18.00% APR, with no prior data for comparison. This offers members a wide range of financing options tailored to credit profiles. For those seeking affordability, the lowest rates at 3.99% APR present excellent value for new vehicle purchases. Consider checking longer-term loan options to reduce monthly payments while securing competitive rates. Stay tuned for updates as more rate trends become available to help you make informed financing decisions.

Consumers

As of July 24, 2025, Consumers' new Auto loan rates remain steady at 3.99% to 6.44% APR, unchanged over the past 30 days. This stable range offers affordable financing options for members seeking new vehicles. For those aiming to manage monthly costs, consider longer-term loans within this rate bracket to balance payments comfortably. Staying informed on these consistent rates helps members make confident decisions when financing a new vehicle through Consumers.

Navy Federal Credit Union

As of July 24, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 4.09% - 7.59%, providing great value for members financing cars. Recreational loans carry higher rates between 8.95% - 11.30%, while Other vehicle loans sit in the middle at 8.45% - 10.45%. For lower monthly payments, consider longer-term options on new auto loans, which typically feature the lowest rates and flexible terms to fit your budget.

Certified

As of July 24, 2025, Certified’s new Auto loan rates range from 4.09% to 6.49% APR, with no previous data to compare recent changes. These competitive rates offer members affordable financing for new vehicles. For those seeking manageable monthly payments, consider longer-term loan options to balance cost and budget. Stay tuned for updates as more rate trends become available.

Safefed

As of July 24, 2025, Safefed’s new vehicle loan rates are available for Auto (4.24% - 9.24% APR) and Recreational vehicles (6.50% - 8.00% APR) with no prior data for comparison. The new auto loan range offers the most affordable financing options for members seeking competitive rates. For those looking to manage monthly payments, consider longer-term loans within these programs to maximize affordability and flexibility. Stay tuned for updates as more rate trends develop over time.

State Employees CU Of Maryland Inc

As of July 24, 2025, State Employees CU Of Maryland Inc maintains steady rates for New Auto Loans, with APRs holding firm at 4.24% to 5.99% over the past 30 days. This stability offers members consistent and affordable financing options without recent rate increases. For those seeking manageable payments, consider exploring longer-term loan options to reduce monthly costs while securing competitive rates. Staying informed on these steady APRs can help you plan your vehicle purchase with confidence.

FCcu

As of July 24, 2025, FCcu’s new vehicle loan rates show stable APRs with no prior data for comparison. New Auto loans range from 4.34% to 17.44% APR, offering the most affordable financing options for members. Meanwhile, New Recreational vehicle loans are available between 7.99% and 17.99% APR. Members seeking budget-friendly financing should consider the new auto loan rates starting at 4.34% APR. For those preferring recreational vehicles, comparing term lengths may help optimize payments. Check current rates regularly to secure the best possible terms for your new vehicle purchase.

First Flight Federal Credit Union

As of July 24, 2025, First Flight Federal Credit Union's New Auto Loan rate remains steady at a competitive 4.35% APR, unchanged over the past 30 days. This consistency offers members reliable financing for new vehicles without rate increases. For those seeking affordability, locking in this stable 4.35% APR is advantageous. Consider longer-term loans to lower monthly payments while maintaining this favorable rate. Staying informed on these rates can help members plan their vehicle purchases with confidence.

LendMesh

No more confusing dealership terms. No more wondering if you could’ve done better. LendMesh gives you the confidence of comparison—real rates, real lenders, real clarity. Apply smarter at https://www.lendmesh.com/loans/vehicle_loans and take the guesswork out of car buying.

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Conclusion

Looking ahead, now is an excellent time to consider refinancing your current vehicle loan or locking in a new purchase with Baxter or First Flight Federal Credit Union, both offering attractive low-end APRs that could lower monthly payments significantly. Keep an eye on Keesler and Safefed if you prefer motorcycle or recreational vehicle financing—they maintain competitive rates worth comparing as you plan your next ride or family adventure vehicle purchase. If your credit situation allows, targeting loans near the lower APR thresholds (around 3.64% to 4.35%) can maximize savings over time. Finally, stay proactive by monitoring these credit unions regularly; even small rate shifts like those recently seen at First Flight can impact affordability more than you might expect. Smart timing combined with selecting the right credit union could make all the difference in your vehicle financing experience this year.