Introduction
On August 15, 2025, savvy car shoppers and motorcycle enthusiasts have some excellent financing opportunities to explore. The lowest APR available today is an ultra-competitive 3.00% for auto loans at Hapo Community Credit Union, making it a standout choice for anyone looking to finance a new ride. Meanwhile, American Airlines Credit Union impresses with its tightest auto loan range, starting at just 3.99% APR and going as low as 4.74%, ideal for buyers seeking stable, affordable rates. Notably, Keesler’s auto loan rates saw a slight increase on the upper end, rising from 7.39% to 9.49% over the last week — a significant shift worth noting if you’re considering that lender. Motorcycle buyers can find steady rates around 6.49%-8.95% depending on the credit union, while recreational vehicle financing remains fairly consistent across the board. For those ready to shop smart, locking in these low fixed-rate loans now could save hundreds over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2025-08-15
(Current Day)
(Current Day)
2025-08-08
(7 Days Ago)
(7 Days Ago)
2025-07-31
(15 Days Ago)
(15 Days Ago)
2025-07-16
(30 Days Ago)
(30 Days Ago)
2025-07-01
(45 Days Ago)
(45 Days Ago)
2025-06-16
(60 Days Ago)
(60 Days Ago)
2025-05-17
(90 Days Ago)
(90 Days Ago)
Hapo Community
Auto
3.00 - 17.99
3.00 - 17.99
3.00 - 17.99
Keesler
Auto
3.99 - 9.49
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
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
5.74 - 9.24
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Consumers
Auto
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
3.99 - 6.44
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
American Airlines
Auto
3.99 - 4.74
3.99 - 4.74
3.99 - 4.74
3.99 - 4.74
American Airlines
Other
6.74 - 6.99
6.74 - 6.99
6.74 - 6.99
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
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.95
8.95
8.95 - 11.30
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
8.45 - 11.30
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
Certified
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
United
Auto
4.15 - 6.30
4.15 - 6.30
5.45 - 6.55▲ 130 bps
5.45 - 5.95▲ 130 bps
Safefed
Auto
4.24
4.24 - 9.24
4.24
Safefed
Recreational
6.50 - 8.50
6.50 - 8.00
6.50 - 8.50
Hapo Community
As of August 15, 2025, Hapo Community's New Auto Loan rates remain steady at 3.00% to 17.99% APR, showing no change over the past 30 days. This consistent range offers members predictable financing options for new vehicles. For those seeking affordability, the lowest rates at 3.00% APR provide excellent value. Consider checking longer-term loan options if you want to lower your monthly payments while financing a new vehicle through Hapo Community.
Keesler
As of August 15, 2025, Keesler’s new Auto loan rates remain steady at 3.99% - 9.49%, with the upper range increasing since last week’s max of 7.39%. Motorcycle loan rates hold firm at 6.49% - 8.49% over the past month. Both Other and Recreational vehicle loans maintain consistent ranges of 5.74% - 9.24%. For members seeking affordability, the new Auto loan’s low starting rate of 3.99% offers great value. Consider longer terms for lower monthly payments, especially on auto loans where rates start competitively low today.
Shell
As of August 15, 2025, Shell’s new Auto loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 30 days. This stable range offers members consistent options for financing new vehicles. The lowest rates at 3.99% APR provide affordable borrowing opportunities for those seeking cost-effective loans. For members looking to manage monthly payments, consider exploring longer-term loan options within this rate range to balance affordability with flexibility. Staying informed on these rates helps members make smarter financing decisions for their new vehicle purchases.
Consumers
As of August 15, 2025, Consumers’ New Auto Loan rates remain steady at 3.99% to 6.44% APR, showing no change over the past 30 days. This consistent range offers members a reliable option for financing new vehicles with competitive rates. For those seeking manageable monthly payments, consider exploring longer-term loan options within this range. Staying informed on these stable rates can help you plan your vehicle purchase confidently and affordably.
Arkansas
As of August 15, 2025, Arkansas Credit Union’s New Auto Loan rates remain steady at 3.99% to 5.79% APR, unchanged over the past 30 days. This consistent rate range offers members reliable affordability for financing new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional budgeting flexibility while maintaining competitive rates. Keep an eye on these stable rates to time your new vehicle purchase effectively.
American Airlines
As of August 15, 2025, American Airlines’ New Auto loans maintain steady rates between 3.99% - 4.74% APR, unchanged over the past 30 days. The Other new vehicle loans hold at 6.74% - 6.99% APR, consistent for 15 days but newly tracked this month. For members seeking affordability, New Auto loans offer the lowest rates, ideal for financing new vehicles with predictable costs. Consider longer-term options if you want to manage monthly payments while locking in these stable rates. Monitoring these trends can help you time your loan application effectively.
Navy Federal Credit Union
As of August 15, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady. New Auto loans hold firm at 4.09% to 7.59% APR, offering the most affordable financing. Motorcycle loans stayed consistent at 8.95% APR, while Recreational and Other vehicle loans show slight stability with ranges of 8.45% to 11.30% APR and 8.95% APR, respectively. For members seeking cost-effective options, consider the new auto loan programs for lower rates or explore longer terms to reduce monthly payments.
Certified
As of August 15, 2025, Certified’s New Auto Loan rates remain steady at 4.09% to 6.49% APR, unchanged over the past 30 days. This stable rate range offers members predictable financing for new vehicles without recent increases. For those seeking affordability, the lower end of this spectrum provides competitive borrowing costs. Consider longer-term loan options if you want to reduce monthly payments while maintaining these consistent rates. Staying informed on these steady rates can help you plan your next vehicle purchase with confidence.
United
As of August 15, 2025, United’s New Auto Loan rates remain steady at 4.15% to 6.30% APR, improving from 5.45% to 6.55% fifteen days ago. This represents a significant rate drop of up to 130 basis points over two weeks, offering members more affordable financing options. For those seeking lower monthly payments, exploring longer-term loan programs could provide additional savings. Keep an eye on these competitive rates to maximize your vehicle financing value with United.
Safefed
As of August 15, 2025, Safefed’s New Auto loan rate remains steady at 4.24% APR, showing no change from 7 and 15 days ago. Meanwhile, New Recreational loan rates widened slightly to 6.50%–8.50% APR, up from a previous high of 8.00% seven days ago. The 4.24% APR on new auto loans continues to offer the most affordable financing option for members. For those considering larger or seasonal purchases, explore longer-term Recreational loans to balance monthly payments with rate fluctuations. Staying informed helps you secure the best fit for your budget and vehicle needs.
LendMesh
From electric cars to classic trucks, LendMesh helps drivers of all types finance with confidence. Our credit union and bank partners offer loan options tailored to your lifestyle. It’s never been easier to compare and save. Start your journey at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, if you’re in the market for a vehicle or thinking about refinancing your current loan, this is a good moment to act with confidence. Consider refinancing if your current rate is above these new lows—especially with Hapo Community’s 3.00% auto loan offering such strong savings potential. For families and riders alike, comparing the slight fluctuations between credit unions like Keesler and Navy Federal can help you find tailored financing that fits your budget and timeline. Keep an eye on monthly rate changes but don’t wait too long; rates can shift quickly. And remember, pre-approval can strengthen your negotiating power when you hit the dealership or shop online. Whether upgrading to a new car or snagging that perfect motorcycle, locking in a competitive APR now sets you up for smarter payments down the road.