Introduction
On August 6, 2025, vehicle financing options at credit unions offer some attractive opportunities for savvy buyers. The lowest auto loan APR stands at an impressive 3.00% from Hapo Community Credit Union, making it a standout choice for anyone looking to finance a car with competitive terms. Motorcycle and recreational vehicle enthusiasts can also find tailored rates—Americas Credit Union offers motorcycle loans starting at 8.05%, while FCcu’s recreational loans begin at 7.99%. Notably, United Credit Union’s auto rates saw a significant drop this week, falling nearly 130 basis points on the low end from 5.45% to 4.15%, signaling favorable conditions for borrowers ready to act now. Whether you’re buying your first car, upgrading to a family vehicle, or investing in a motorcycle or RV, today’s rates provide options that balance affordability and flexibility. Keeping an eye on these changes can help you lock in the best deal and save money over the life of your loan.
Used - Vehicle Loans
Credit Union
Product
2025-08-06
(Current Day)
(Current Day)
2025-07-30
(7 Days Ago)
(7 Days Ago)
2025-07-22
(15 Days Ago)
(15 Days Ago)
2025-07-07
(30 Days Ago)
(30 Days Ago)
2025-06-22
(45 Days Ago)
(45 Days Ago)
2025-06-07
(60 Days Ago)
(60 Days Ago)
2025-05-08
(90 Days Ago)
(90 Days Ago)
Hapo Community
Auto
3.00 - 17.99
Baxter
Auto
3.39 - 5.14
3.64▲ 25 bps
3.64▲ 25 bps
Baxter
Other
5.99
6.49▲ 50 bps
6.49▲ 50 bps
6.49▲ 50 bps
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Certified
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
United
Auto
4.15 - 6.30
5.45 - 6.55▲ 130 bps
5.45 - 5.95▲ 130 bps
FCcu
Auto
4.34 - 17.44
4.34 - 17.44
4.34 - 17.44
FCcu
Recreational
7.99 - 17.99
7.99 - 17.99
7.99 - 17.99
Sandia Laboratory
Auto
4.39 - 5.50
4.39 - 5.50
4.39 - 6.25
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
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
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
8.90 - 18.00
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
American Airlines
Auto
4.49 - 5.24
4.49 - 5.24
4.49 - 5.24
American Airlines
Other
6.74 - 6.99
6.74 - 6.99
Hapo Community
As of August 6, 2025, Hapo Community’s Used Auto Loan rates range from 3.00% to 17.99% APR. With no prior data for comparison, no rate changes are identified this week. This broad APR span offers flexibility for members with varying credit profiles. For those seeking affordable financing, focus on loans near the 3.00% APR rate. Consider checking longer-term options to lower monthly payments while managing overall costs effectively. Staying informed on these rates helps members make smarter used vehicle financing decisions with Hapo Community.
Baxter
As of August 6, 2025, Baxter’s Used Auto loans range from 3.39% to 5.14% APR, down from 3.64% fifteen and thirty days ago, showing a notable improvement in affordability. Meanwhile, the Used Other vehicle loan rate decreased from 6.49% to 5.99% APR over the past week, offering better terms for non-auto vehicles. For members seeking lower monthly payments, exploring longer-term used auto loans at these reduced rates could provide valuable savings. Keep an eye on these competitive rates to maximize your financing options with Baxter.
Shell
As of August 6, 2025, Shell’s Used Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 30 days. This consistent range offers members predictable financing options for used vehicles. The lowest APR of 3.99% presents a valuable opportunity for affordable borrowing. For those seeking manageable monthly payments, consider exploring longer-term loan options within Shell’s programs to balance cost and repayment flexibility effectively.
Certified
This week, Certified’s Used Auto Loan rates remain steady at 4.09% to 6.49% APR, with no changes over the past 30 days. These consistent rates offer members reliable financing for pre-owned vehicles without unexpected increases. For members seeking manageable payments, consider exploring longer loan terms to lower monthly costs while maintaining these competitive APRs. Staying informed on stable rates can help you plan your vehicle purchase confidently.
United
For August 6, 2025, United’s Used Auto Loan rates range from 4.15% to 6.30% APR, showing a significant improvement from 7 and 15 days ago when rates were between 5.45% and 6.55%. This marks a notable drop of over 1.3 percentage points at the low end, offering members more affordable financing options. If you’re considering a used vehicle, now is a great time to explore these competitive rates. Check longer-term loans to balance monthly payments with interest savings and maximize your budget flexibility.
FCcu
As of August 6, 2025, FCcu’s used vehicle loan rates remain steady with no changes over the past 30 days. Used Auto loans offer competitive APRs ranging from 4.34% to 17.44%, making them the most affordable option for members financing pre-owned cars. Meanwhile, Used Recreational vehicle loans hold steady between 7.99% and 17.99% APR. For those seeking lower monthly payments, consider longer-term used auto loans within this rate range to maximize affordability and manage cash flow effectively.
Sandia Laboratory
As of August 6, 2025, Sandia Laboratory’s Used Auto Loan rates remain steady at 4.39% to 5.50% APR, unchanged from 7 days ago and slightly improved from 6.25% fifteen days prior. This consistency offers members reliable financing options with some improvement in affordability over the past two weeks. For those seeking manageable payments, consider longer-term used auto loans to spread costs while benefiting from competitive rates. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
Americas Credit Union
As of August 6, 2025, used vehicle loan rates at Americas Credit Union remain steady across all products. Used 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 in the past 30 days. For members seeking manageable payments, consider longer-term used auto loans to maximize affordability without rate increases. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
State Employees CU Of Maryland Inc
As of August 6, 2025, used auto loan rates at State Employees CU Of Maryland Inc remain steady at 4.49% to 6.24% APR, unchanged over the past 30 days. This consistent rate range offers members reliable financing options for used vehicles without rate fluctuations. For those seeking manageable payments, consider exploring longer-term loans to reduce monthly costs while maintaining competitive rates. Staying informed on these stable rates can help members confidently plan their vehicle purchase budget.
American Airlines
As of August 6, 2025, American Airlines' used auto loan rates remain steady at 4.49% to 5.24% APR, unchanged over the past 30 days. The used "Other" vehicle loans hold firm between 6.74% and 6.99% APR, consistent with last week. Members seeking affordability should consider used auto loans, offering the lowest rates available today. For those balancing monthly payments, exploring longer-term used auto loan options could provide more manageable finances without rate increases. Staying informed on these stable rates helps members plan their vehicle financing confidently.
LendMesh
Thinking about refinancing your current auto loan? It could lower your rate and free up cash each month. LendMesh makes it easy to see your refinance options in one place—from trusted banks and credit unions. Explore smarter ways to drive at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to consider refinancing existing loans or locking in new financing if your current rate is higher than today’s competitive offers. For families planning vehicle upgrades or riders eyeing motorcycles or RVs, exploring credit unions like Hapo Community or Baxter could yield significant savings thanks to their strong rate offerings. Keep monitoring weekly shifts—like United Credit Union’s recent rate improvement—as these fluctuations can impact your total cost substantially. If you’re not in a rush, waiting for slight dips in rates might pay off; but if you spot a rate near or below 4%, acting sooner rather than later may be wise to avoid potential increases down the line. Ultimately, combining thorough research with timely decisions will help you drive away with the best financing deal tailored to your needs.