Introduction
As of July 25, 2025, vehicle shoppers have some attractive financing options to consider. The standout deal is with Vystar Credit Union offering an impressively low 2.94% APR on auto loans, the best rate available today. For those exploring a wider range, Baxter and Consumers Credit Unions maintain steady auto loan rates between 3.64% and 6.44%, holding consistent over the past month. Motorcycle enthusiasts should note Keesler’s competitive rates starting at 6.49%, while Navy Federal Credit Union’s motorcycle loans edge slightly higher but remain stable. A notable monthly shift comes from Arkansas Credit Union, where auto loan rates jumped from as low as 3.99% up to a current floor of 4.79%. If you’re in the market for recreational vehicle financing, Safefed offers reasonable rates between 6.50% and 8.00%. Whether you’re buying your first car, upgrading your ride, or financing a motorcycle, locking in one of these credit union deals could save you hundreds over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2025-07-25
(Current Day)
(Current Day)
2025-07-18
(7 Days Ago)
(7 Days Ago)
2025-07-10
(15 Days Ago)
(15 Days Ago)
2025-06-25
(30 Days Ago)
(30 Days Ago)
2025-06-10
(45 Days Ago)
(45 Days Ago)
2025-05-26
(60 Days Ago)
(60 Days Ago)
Vystar
Auto
2.94
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
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
Shell
Auto
3.99 - 18.00
3.99 - 18.00
Arkansas
Auto
4.79 - 5.79
3.99 - 18.00▼ 80 bps
Arkansas
Other
3.99 - 18.00
Keesler
Auto
3.99 - 9.49
3.99 - 9.49
1.00 - 9.49▼ 299 bps
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
Certified
Auto
4.09 - 6.49
4.09 - 6.49
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 - 11.55
8.95 - 10.80
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.45 - 10.45
8.95 - 0.00▼ 845 bps
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
8.95 - 11.30
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
Safefed
Auto
4.24 - 9.24
Safefed
Recreational
6.50 - 8.00
6.50 - 8.50
Vystar
As of July 25, 2025, Vystar’s New Auto Loan offers a competitive 2.94% APR, with no prior data to compare changes. This rate provides an affordable financing option for members seeking new vehicles. Consider longer-term loans to reduce monthly payments while benefiting from this low rate. Stay tuned for updates as more data becomes available to track trends and maximize savings.
Baxter
As of July 25, 2025, Baxter's new auto loan rates remain steady at 3.64% to 6.44% APR, unchanged over the past 30 days. The Other vehicle loan product holds firm at 6.49% APR with no recent changes. For members seeking the most affordable financing, new auto loans offer competitive rates ideal for budget-conscious buyers. To manage monthly payments effectively, consider longer-term auto loans, which can provide greater payment flexibility without rate increases. Stay informed on these stable rates to make timely decisions for your new vehicle purchase.
Consumers
As of July 25, 2025, Consumers’ New Auto Loan rates remain steady at 3.99% to 6.44% APR, with no change over the past 30 days. This consistent rate range offers members reliable financing for new vehicles without unexpected increases. For those seeking manageable monthly payments, consider longer-term loan options to spread costs comfortably. Staying informed on these stable rates can help you plan your vehicle purchase confidently and affordably.
Shell
As of July 25, 2025, Shell’s New Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 7 days. This stable pricing offers members consistent access to affordable financing for new vehicles. For those aiming to reduce monthly payments, consider longer-term loan options within this range to balance cost and budget. Staying informed on these rates helps you plan your vehicle purchase with confidence.
Arkansas
This week in Arkansas, new Auto loan rates range from 4.79% to 5.79% APR, showing a notable increase from 3.99% last week. The Other vehicle loan category is available at a broader rate of 3.99% to 18.00% APR, newly listed this period. For members seeking affordability, the lower starting rates on Auto loans offer competitive financing for new vehicles. Consider shorter-term loans to lock in these attractive rates and reduce overall interest costs. Stay informed to choose the best option that fits your budget and vehicle needs.
Keesler
As of July 25, 2025, Keesler’s new vehicle loan rates remain steady across all products compared to one week ago. New Auto loans hold the lowest APR range at 3.99% to 9.49%, unchanged from last week but wider than 30 days ago. Motorcycle loans maintain a consistent 6.49% to 8.49% APR, offering stable financing for riders. The Other vehicle loan category stays steady at 5.74% to 9.24% APR over the past month. For members seeking affordability, consider new auto loans for the lowest starting rates, and explore longer terms to manage monthly payments effectively.
Certified
As of July 25, 2025, Certified’s New Auto Loan rates remain steady at 4.09% to 6.49% APR, unchanged over the past week. This consistent range offers members reliable financing for new vehicles without rate fluctuations. For those seeking affordable payments, consider longer-term loan options to spread costs over time while locking in these stable rates. Certified continues to provide competitive financing that supports members in purchasing new vehicles with confidence.
Navy Federal Credit Union
As of July 25, 2025, Navy Federal Credit Union’s new vehicle loan rates remain stable. New Auto loans hold steady at 4.09% - 7.59% APR, offering the most affordable financing options. Motorcycle loans increased slightly, with today’s range at 8.95% - 11.55% APR, up from 10.80% at 7 days ago. The Other loan category saw a modest drop to 8.45% - 10.45% APR from last week’s higher upper rate. For members seeking manageable payments, consider longer-term Auto loans to maximize affordability and maintain consistent rates in this market.
State Employees CU Of Maryland Inc
As of July 25, 2025, State Employees CU Of Maryland Inc maintains steady new Auto loan rates at 4.24% to 5.99% APR, unchanged over the past 30 days. This consistent rate range offers members reliable financing options for new vehicles. With no recent rate increases, now is a good time to lock in affordable financing. Consider exploring longer-term loans to potentially lower monthly payments while benefiting from these stable rates. Stay informed to make the best choice for your budget and vehicle needs.
Safefed
As of July 25, 2025, Safefed's new auto loan rates range from 4.24% to 9.24% APR, with no prior data for comparison. Meanwhile, new recreational vehicle loans hold steady between 6.50% and 8.00% APR, improving slightly from 6.50% to 8.50% last week. Members seeking affordability should consider the competitive low end of the auto loan range at 4.24% APR. For flexible budgeting, explore longer-term recreational loans, which may offer manageable monthly payments despite modest rate changes. Staying informed helps secure the best financing fit for your new vehicle needs.
LendMesh
If your monthly car payment feels too high, it might be time for a better deal. With LendMesh, you can explore refinancing options that lower your rate or shorten your loan term. Keep more money in your pocket—visit https://www.lendmesh.com/loans/vehicle_loans and see what’s possible.
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Conclusion
Looking ahead, now is a smart time to explore refinancing options if you currently carry higher-rate vehicle loans—especially since some credit unions are holding firm with sub-4% APRs on autos. For buyers ready to commit, targeting lenders like Vystar for their exceptionally low rates can make new purchases more affordable month to month. Keep an eye on credit union rate trends over the next few weeks; small changes in basis points can translate into meaningful savings on larger loans. Motorcycle owners might consider Keesler or Navy Federal for competitive financing tailored to their needs. Above all, start your search early, get pre-approved where possible, and compare multiple offers to find the best fit for your budget and timeline. Smart timing and thorough research remain your best tools for maximizing value on any vehicle purchase or refinance in today’s market.