Introduction
As of August 8, 2025, car buyers and motorcycle enthusiasts are seeing some attractive financing options at credit unions. The standout deal is with Vystar Credit Union, offering an impressively low 2.94% APR on auto loans, which remains steady from two weeks ago—an excellent opportunity for anyone looking to save on interest. Meanwhile, Hapo Community’s wide range of rates from 3.00% up to 17.99% reflects options for various credit profiles but watch those higher rates carefully. Notably, Baxter Credit Union’s auto loan rates nudged slightly upward by about 25 basis points over the last two weeks, while Consumers and Shell have kept their rates stable in the mid-3% to high teens range depending on creditworthiness and loan type. For motorcycle buyers, Keesler offers solid options between 6.49% and 8.49%, unchanged this month. Whether you’re upgrading your family vehicle or snagging a new bike, locking in one of these competitive rates now could mean big savings down the road.
New - Vehicle Loans
Credit Union
Product
2025-08-08
(Current Day)
(Current Day)
2025-08-01
(7 Days Ago)
(7 Days Ago)
2025-07-24
(15 Days Ago)
(15 Days Ago)
2025-07-09
(30 Days Ago)
(30 Days Ago)
2025-06-24
(45 Days Ago)
(45 Days Ago)
2025-06-09
(60 Days Ago)
(60 Days Ago)
2025-05-10
(90 Days Ago)
(90 Days Ago)
Vystar
Auto
2.94
5.54 - 8.59▲ 260 bps
2.94
Hapo Community
Auto
3.00 - 17.99
3.00 - 17.99
Baxter
Auto
3.39 - 6.14
3.39 - 5.14
3.64 - 6.44▲ 25 bps
3.64 - 6.44▲ 25 bps
3.64 - 5.14▲ 25 bps
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Keesler
Auto
3.99 - 7.39
3.99 - 7.39
3.99 - 9.49
Keesler
Motorcycle
6.49 - 8.49
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
5.74 - 9.24
Keesler
Recreational
5.74 - 9.24
5.74 - 9.24
American Airlines
Auto
3.99 - 4.74
3.99 - 4.74
3.99 - 4.74
American Airlines
Other
6.74 - 6.99
6.74 - 6.99
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 18.00
Certified
Auto
4.09 - 6.49
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
4.09 - 7.59
Navy Federal Credit Union
Motorcycle
8.95
8.95
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.95
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
8.45 - 11.30
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
Vystar
As of August 8, 2025, Vystar’s New Auto Loan offers a highly competitive 2.94% APR, holding steady from 15 days ago and significantly lower than the 7-day range of 5.54% to 8.59%. This stable low rate highlights excellent value for members seeking affordable new vehicle financing. Consider locking in this low fixed rate now to maximize savings and manage your budget effectively. For those prioritizing manageable payments, explore longer-term loan options available through Vystar to further reduce monthly costs.
Hapo Community
As of August 8, 2025, Hapo Community's New Auto Loan rates remain steady at 3.00% to 17.99% APR, unchanged over the past week. This consistent range offers members predictable financing options for new vehicles. For those seeking manageable payments, consider longer-term loans to spread costs while securing competitive rates. Staying informed on these stable rates can help you plan your vehicle purchase with confidence.
Baxter
As of August 8, 2025, Baxter’s New Auto Loan rates range from 3.39% to 6.14% APR, with the lower end steady over the past week but rising by 100 bps on the upper end compared to 7 days ago. Compared to 15 and 30 days ago, rates have narrowed slightly at the top (from 6.44% to 6.14%). Members benefit most from today’s low starting rate of 3.39% APR. For more manageable payments, consider longer-term loans to take advantage of competitive rates and maintain affordability when financing new vehicles.
Consumers
As of August 8, 2025, Consumers’ new auto loan rates remain steady at 3.99% to 6.44% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs when purchasing new vehicles. For those seeking affordability, the lower end of the rate range presents a valuable opportunity. Consider longer-term loans if you want to reduce monthly payments while securing these stable rates. Staying informed on rate trends helps plan your vehicle purchase with confidence and budget control.
Shell
As of August 8, 2025, Shell’s New Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 30 days. This range offers options for a variety of credit profiles, ensuring members can find affordable financing that fits their needs. For those seeking manageable monthly payments, consider longer-term loan programs to lower your installments while securing competitive rates. Monitoring these stable rates can help you time your vehicle purchase effectively and budget confidently.
Keesler
As of August 8, 2025, Keesler’s new vehicle loan rates remain steady across all products compared to the past week. New Auto loans hold a competitive APR range of 3.99% to 7.39%, unchanged from 7 and 15 days ago, offering the most affordable financing option. Motorcycle loans stay consistent at 6.49% to 8.49%, while both Other and Recreational vehicle loans maintain rates between 5.74% and 9.24% with no changes in recent weeks. For members seeking manageable monthly payments, consider longer-term loan options within these stable rates to maximize affordability.
American Airlines
As of August 8, 2025, American Airlines' New Auto Loan rates remain steady at 3.99% to 4.74% APR, unchanged over the past 7 and 30 days. The New Other Vehicle Loan rates hold firm between 6.74% and 6.99% APR this week as well. With no rate increases or decreases recently, members benefit from consistent, affordable financing options. For those seeking manageable monthly payments, consider longer-term loans within these stable rate ranges to optimize your budget while financing a new vehicle.
Arkansas
As of August 8, 2025, Arkansas Credit Union’s new auto loan rates remain steady at 3.99% to 5.79% APR, unchanged over the past week and consistent with rates from 30 days ago. Compared to 15 days ago, the upper APR has significantly decreased from 18.00%, offering members more affordable financing options. Take advantage of these competitive rates on new auto loans to secure cost-effective vehicle financing. For manageable monthly payments, consider longer-term loan options, which may provide even lower monthly obligations without rate increases.
Certified
As of August 8, 2025, Certified’s New Auto Loan rates remain steady at 4.09% to 6.49% APR, unchanged over the past 30 days. This consistent rate range offers members reliable financing options for new vehicles. For those seeking budget-friendly payments, consider exploring longer loan terms to lower monthly costs while maintaining these competitive rates. Staying informed on rate trends helps members make smarter borrowing decisions with Certified’s transparent and stable auto loan offerings.
Navy Federal Credit Union
As of August 8, 2025, Navy Federal Credit Union’s new vehicle loan rates remain stable across all products. New Auto loans hold steady at 4.09% to 7.59% APR, offering the most affordable financing option for members. Motorcycle loans are fixed at 8.95% APR, unchanged from last week but improved from higher rates 30 days ago. Both Other and Recreational vehicle loans maintain consistent rates, with slight narrowing in ranges compared to a month ago. For cost-conscious members, consider new auto loans for the lowest rates, and explore longer terms to reduce monthly payments while locking in today’s stable APRs.
LendMesh
Looking for a vehicle loan that doesn’t break your budget? LendMesh connects you to credit unions and banks that understand real-life finances. With low rates and transparent terms, you’ll know exactly what you’re getting. Start your engine at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
If you’re planning to buy or refinance soon, consider locking in today’s lowest APRs like Vystar’s 2.94% auto loan before any market shifts occur. Keep an eye on lenders like Baxter that have shown slight rate increases recently—it might be wise to act sooner rather than later if their terms fit your needs. Motorcycle and recreational vehicle buyers should explore Keesler’s consistent offerings, as stable rates can provide peace of mind during budgeting. Also, for families looking at versatile financing, Navy Federal Credit Union presents a broad spectrum of competitive rates worth comparing. As always, review your credit score and loan terms carefully; sometimes a small difference in APR can translate into hundreds saved over the life of a loan. Stay informed, shop smart, and don’t hesitate to reach out to your local credit union for personalized advice tailored to your vehicle goals.