Introduction
As of August 1, 2025, savvy vehicle shoppers have some enticing financing options to consider. The lowest APR today is an ultra-competitive 3.00% for auto loans at Hapo Community Credit Union, offering a broad range up to 17.99%. For those eyeing motorcycles, Keesler and United credit unions present reasonable rates starting around 6.49%. Notably, Baxter’s auto loan rates have improved slightly in the past week, dropping by about 25 basis points on the low end—from 3.64% to 3.39%—making it a solid choice for family car buyers seeking affordable terms. On the flip side, Arkansas Credit Union’s top-tier auto rate has tightened significantly from last week’s 18.00% down to 5.79%, which is a dramatic shift worth watching if you’re considering less conventional financing paths. Whether you’re hunting for a new ride or a recreational vehicle, credit unions continue to offer competitive rates that can save you money over the life of your loan—so keep these numbers in mind as you negotiate your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2025-08-01
(Current Day)
(Current Day)
2025-07-25
(7 Days Ago)
(7 Days Ago)
2025-07-17
(15 Days Ago)
(15 Days Ago)
2025-07-02
(30 Days Ago)
(30 Days Ago)
2025-06-17
(45 Days Ago)
(45 Days Ago)
2025-06-02
(60 Days Ago)
(60 Days Ago)
Hapo Community
Auto
3.00 - 17.99
Baxter
Auto
3.39 - 5.14
3.64 - 6.44▲ 25 bps
3.64 - 6.44▲ 25 bps
3.64 - 5.14▲ 25 bps
Baxter
Other
5.99
6.49▲ 50 bps
6.49▲ 50 bps
6.49▲ 50 bps
Keesler
Auto
3.99 - 7.39
3.99 - 7.39
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
Keesler
Recreational
5.74 - 9.24
American Airlines
Auto
3.99 - 4.74
3.99 - 4.74
American Airlines
Other
6.74 - 6.99
Shell
Auto
3.99 - 18.00
3.99 - 18.00
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
Arkansas
Auto
3.99 - 5.79
3.99 - 18.00
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
8.95 - 11.55
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.95 - 11.30
8.45 - 10.45▼ 50 bps
8.45 - 10.45▼ 50 bps
8.45 - 10.45▼ 50 bps
Navy Federal Credit Union
Recreational
8.45 - 11.30
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
United
Auto
4.15 - 6.30
5.45 - 6.55▲ 130 bps
5.45 - 6.55▲ 130 bps
United
Motorcycle
6.55 - 7.55
United
Other
11.39
United
Recreational
7.05 - 7.50
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
Hapo Community
As of August 1, 2025, Hapo Community’s New Auto Loan rates range from 3.00% to 17.99% APR, with no prior data for comparison. This wide rate span offers options for various credit profiles, making it easier for members to find affordable financing. Explore lower APR tiers if you want the best value and consider longer-term loans to reduce monthly payments. Stay updated weekly to catch any rate shifts that could improve your financing terms.
Baxter
As of August 1, 2025, Baxter’s new Auto loan rates improved, dropping to 3.39% - 5.14% APR from 3.64% - 6.44% just 7 days ago. This marks a significant reduction in the upper rate by 130 bps, offering more affordable financing options for members. Meanwhile, the Other vehicle loan rate decreased to 5.99% APR, down from 6.49% last week. Consider locking in these lower rates now, especially for new auto loans, or explore longer-term loans to reduce monthly payments while benefiting from today’s improved APRs.
Keesler
As of August 1, 2025, Keesler’s new vehicle loan rates remain steady across all products compared to the past month. New Auto loans hold the lowest range at 3.99% - 7.39% APR, offering the most affordable financing option for members. Motorcycle loans stay consistent at 6.49% - 8.49% APR, while both Recreational and Other vehicle loans maintain rates between 5.74% and 9.24% APR. For members seeking manageable payments, consider longer-term loan options to spread out costs while securing stable rates.
American Airlines
As of August 1, 2025, American Airlines’ new auto loan rates remain steady at 3.99% to 4.74% APR, unchanged from 15 days ago. The Other vehicle loan program offers rates between 6.74% and 6.99% APR with no prior data for comparison. For members seeking the most affordable financing, the new auto loan is the best option. Consider longer-term loans to reduce monthly payments while securing competitive rates. Staying informed on these stable rates helps members plan their vehicle purchases confidently.
Shell
As of August 1, 2025, Shell’s New Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past week. This stability offers members consistent financing options for new vehicles. For those seeking affordability, the lowest rates at 3.99% APR present a strong value for short-term loans. Check long-term loan terms if you want to lower monthly payments while financing your new vehicle. Staying informed on these rates can help you choose the best plan for your budget and credit needs.
Consumers
As of August 1, 2025, Consumers Credit Union's New Auto Loan rates remain steady at 3.99% to 6.44% APR, unchanged over the past 30 days. This consistent rate range offers members reliable options for affordable new vehicle financing. For those seeking manageable monthly payments, consider exploring longer loan terms within this rate bracket to optimize your budget. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
Arkansas
As of August 1, 2025, Arkansas Credit Union’s new auto loan rates remain steady at 3.99% to 5.79% APR, showing no change over the past week. This consistent rate range offers members affordable financing for new vehicles without recent fluctuations. The lowest rates provide excellent value for cost-conscious buyers looking to finance a new car. For those seeking manageable monthly payments, exploring longer-term loans could be beneficial. Staying informed on these stable rates can help members plan their vehicle purchase with confidence.
Navy Federal Credit Union
As of August 1, 2025, Navy Federal Credit Union's new auto loan rates remain steady at 4.09% to 7.59% APR, offering the most affordable financing option for members. Motorcycle loan rates hold firm at 8.95% APR, while recreational loans decreased slightly from last week, now at 8.45% to 11.30% APR. The “Other” vehicle loan category rose modestly to 8.95% to 11.30% APR compared to previous weeks. For those seeking lower monthly payments, exploring longer-term new auto loans could provide better budgeting flexibility. Staying informed on these stable rates can help members plan their next vehicle purchase wisely.
United
As of August 1, 2025, United’s new Auto loan rates improved significantly, dropping from 5.45-6.55% last week to a competitive 4.15-6.30% range today. This marks the most affordable option for members seeking new vehicle financing. Motorcycle loans debuted at 6.55-7.55%, while Recreational loans are available between 7.05-7.50%. The Other vehicle loan holds steady at 11.39% APR. For lower monthly payments, consider longer-term Auto loans given their recent rate drop and broad range, helping you tailor financing to your budget and preferences.
State Employees CU Of Maryland Inc
As of August 1, 2025, State Employees CU Of Maryland Inc maintains steady rates for new auto loans, holding firm at 4.24% to 5.99% APR with no changes over the past 30 days. This consistent rate range offers members reliable, affordable financing for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options to maximize budgeting flexibility. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
LendMesh
You’ve found the car. Now it’s time to finance it the smart way. At LendMesh, we bring together credit unions and banks that offer real rates—not teaser deals—so you can compare and choose what fits your life. Whether you’re buying new, used, or refinancing, the road to better auto financing starts here: https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is an excellent time to explore refinancing opportunities if your current rate exceeds today’s competitive offers—especially with lenders like Hapo Community and Baxter pushing rates near historic lows. For first-time buyers or those upgrading family vehicles, locking in rates under 4% could mean significant savings long term. Motorcycle enthusiasts should monitor Keesler and United’s stable pricing as they provide consistent deals without surprise hikes. If your current loan includes a higher APR from last month or earlier this year, consider reaching out to your credit union for potential rate adjustments or refinancing options. Remember, timing your purchase or refinance around these favorable rates can reduce monthly payments and free up budget for other expenses. Stay informed by checking weekly updates and don’t hesitate to ask your credit union about pre-approval offers—it could make all the difference in driving away with the best deal possible.