Introduction
On August 18, 2025, savvy vehicle shoppers have plenty to smile about when hunting for the best financing deals. The lowest APR available today is an impressive 3.64% on auto loans from Baxter Credit Union, making it an excellent option for families and car buyers seeking affordable monthly payments. Motorcycle enthusiasts will find competitive rates at Apple Credit Union starting at 4.54% APR, while recreational vehicle loans from Baxter begin at a reasonable 5.69%. Notably, Baxter’s auto loan rates improved by up to 75 basis points compared to last week, signaling a sweet spot for buyers ready to lock in a deal. Meanwhile, some credit unions like Shell hold steady with a broad rate range but higher ceilings reaching up to 18%, so it pays to shop around carefully. If you’re gearing up for your next ride or family vehicle purchase, paying attention to these shifting rates can save you hundreds over the life of your loan—making today’s market ripe with opportunity.
New - Vehicle Loans
Credit Union
Product
2025-08-18
(Current Day)
(Current Day)
2025-08-11
(7 Days Ago)
(7 Days Ago)
2025-08-03
(15 Days Ago)
(15 Days Ago)
2025-07-19
(30 Days Ago)
(30 Days Ago)
2025-07-04
(45 Days Ago)
(45 Days Ago)
2025-06-19
(60 Days Ago)
(60 Days Ago)
2025-05-20
(90 Days Ago)
(90 Days Ago)
Baxter
Auto
3.64 - 5.99
4.39 - 6.69▲ 75 bps
3.39 - 5.14▼ 25 bps
3.64 - 6.44
3.64 - 6.44
Baxter
Recreational
5.69 - 6.69
5.44 - 6.44▼ 25 bps
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
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
4.09 - 7.59
Navy Federal Credit Union
Motorcycle
8.95
8.95
8.95
8.95 - 10.80
Navy Federal Credit Union
Other
8.95 - 11.30
8.95 - 11.30
8.95 - 11.30
8.95 - 0.00▼ 895 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
United
Auto
4.15 - 6.30
4.15 - 6.30
4.15 - 6.30
5.45 - 6.55▲ 130 bps
State Employees CU Of Maryland Inc
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
First Community 66818
Auto
4.34 - 17.44
First Community 66818
Motorcycle
7.99 - 17.99
Sandia Laboratory
Auto
4.39 - 6.25
4.39 - 6.25
4.39 - 6.25
Fairwinds
Auto
4.49 - 7.35
4.49 - 7.35
4.49 - 7.35
Apple
Auto
4.49 - 5.49
4.49 - 5.99
4.49 - 5.49
4.49
4.49
Apple
Motorcycle
4.54 - 5.89
4.54 - 5.89
4.54 - 5.89
4.54
4.54
Eastrise
Auto
4.60 - 6.60
5.10 - 6.60▲ 50 bps
5.10 - 6.60▲ 50 bps
Eastrise
Recreational
5.75 - 7.95
Baxter
As of August 18, 2025, Baxter’s new auto loan rates range from 3.64% to 5.99% APR, showing a slight increase from 15 days ago but a decrease compared to last week’s higher range of 4.39% to 6.69%. Notably, the new recreational vehicle loans debut at competitive rates between 5.69% and 6.69% APR. For members seeking affordability, the lowest new auto loan rate of 3.64% APR offers excellent value. Consider longer-term loans to manage monthly payments effectively while locking in today’s favorable rates.
Shell
As of August 18, 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 stability offers members consistent financing options for new vehicles. The lowest rates at 3.99% APR provide excellent value for those seeking affordable monthly payments. For members aiming to manage cash flow, consider longer-term loan options to lower your monthly expenses while locking in these steady rates. Staying informed on rate trends helps you make smarter borrowing decisions with Shell’s reliable vehicle loan programs.
Navy Federal Credit Union
As of August 18, 2025, Navy Federal Credit Union’s new vehicle loan rates remain stable across all products compared to the past 30 days. New Auto loans hold the lowest APR range at 4.09% to 7.59%, offering the most affordable financing option for members. Motorcycle loans remain steady at 8.95%, while Recreational and Other vehicle loans range from 8.45% to 11.30%. With no recent rate changes, members seeking lower monthly payments should consider longer-term new auto loans for better budgeting flexibility. Stay informed to choose the best fit for your vehicle financing needs.
United
As of August 18, 2025, United’s New Auto Loan rates remain steady at 4.15% to 6.30% APR, unchanged over the past 7 and 15 days. Notably, these rates have improved from 5.45% to 6.55% just 30 days ago, offering members more affordable financing options. For those seeking manageable monthly payments, consider exploring longer-term loan programs within this rate range to maximize value while keeping costs predictable. Staying informed on these stable rates can help you make confident decisions when financing your new vehicle with United.
State Employees CU Of Maryland Inc
As of August 18, 2025, State Employees CU Of Maryland Inc maintains steady new auto loan rates between 4.24% and 5.99% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs for new vehicles. With no rate increases, now is a good time to lock in competitive rates on new auto loans. Consider exploring longer-term loans if you want to lower your monthly payments while benefiting from these stable rates.
First Community 66818
As of August 18, 2025, First Community 66818 offers new vehicle loans with competitive APR ranges: Auto loans at 4.34% to 17.44% and Motorcycle loans at 7.99% to 17.99%. Since no prior data is available for comparison, rate movement trends cannot be determined this week. For members seeking affordability, new auto loans provide the lowest starting APR at 4.34%. To manage monthly payments effectively, consider longer-term loan options, which may offer reduced monthly costs despite higher total interest. Stay informed weekly to catch any future rate changes impacting your financing choices.
Sandia Laboratory
As of August 18, 2025, Sandia Laboratory's New Auto Loan rates remain steady at 4.39% to 6.25% APR, showing no change over the past 30 days. This consistent rate range offers members reliable financing for new vehicles without fluctuations. For those prioritizing affordability, the lower end of this range presents a strong value. Consider longer-term loan options if you want to reduce monthly payments while maintaining these stable rates. Stay informed weekly to catch any upcoming shifts in vehicle loan financing at Sandia Laboratory.
Fairwinds
As of August 18, 2025, Fairwinds’ new auto loan rates remain steady at 4.49% to 7.35% APR, unchanged over the past 30 days. This consistent rate range offers members reliable options for financing new vehicles affordably. For those seeking manageable monthly payments, consider longer-term loan options within this rate bracket to balance cost and convenience. Staying informed on stable rates like these helps members plan their vehicle purchases with confidence.
Apple
As of August 18, 2025, Apple’s new Auto loan rates remain steady at 4.49% - 5.49% APR, improving from last week’s upper range of 5.99%. This reflects a 50 bps drop in the highest rate, offering better value for members financing new vehicles. Meanwhile, Motorcycle loan rates hold firm at 4.54% - 5.89% APR with no changes over the past month. For those seeking affordable financing, consider Apple’s new Auto loans for competitive rates and explore longer terms to lower monthly payments without compromising on cost.
Eastrise
As of August 18, 2025, Eastrise’s new auto loan rates decreased from 5.10-6.60% to 4.60-6.60% over the past week, offering members more affordable financing options. The new recreational vehicle loans are available at 5.75-7.95% APR, a fresh offering this period. For those seeking budget-friendly payments, consider longer-term new auto loans to maximize savings with these lower rates. Members looking to finance new vehicles now have access to some of the most competitive rates in recent weeks through Eastrise’s updated programs.
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to consider refinancing if your current rate is above today’s competitive offers, especially with Baxter and Apple leading on affordability. For those planning new purchases, locking in a low APR soon could protect you against potential rate increases down the line. Keep an eye on credit unions showing stable or improving rates like United and Sandia Laboratory, as they can offer solid mid-range options without surprises. If you’re exploring motorcycle or recreational loans, don’t overlook specialized programs like those at Navy Federal Credit Union and Eastrise, which provide tailored terms that might better fit your lifestyle. Ultimately, staying proactive—comparing rates frequently and acting when you see dips—will help you maximize savings and drive away with confidence on your next vehicle purchase.