Introduction
As of August 22, 2025, savvy vehicle buyers can take advantage of some standout financing offers across credit unions. The lowest auto loan APR is a competitive 3.64% at Baxter Credit Union, perfect for those hunting for affordable car loans. Motorcycle enthusiasts also have options, with Keesler offering rates starting at 6.49%, while recreational vehicle rates hold steady at Keesler and Navy Federal in the mid-5% to low-8% range. Notably, Baxter’s auto loan rates improved by up to 75 basis points compared to a week ago on the low end, signaling a great moment to lock in savings. Although some credit unions like Shell maintain high upper-end APRs (up to 18%), many others offer stable, attractive ranges—ideal for families and individuals looking to finance responsibly. If you’re ready to shop smart, these credit union rates from today provide an excellent opportunity to lower your monthly payments and save big on your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2025-08-22
(Current Day)
(Current Day)
2025-08-15
(7 Days Ago)
(7 Days Ago)
2025-08-07
(15 Days Ago)
(15 Days Ago)
2025-07-23
(30 Days Ago)
(30 Days Ago)
2025-07-08
(45 Days Ago)
(45 Days Ago)
2025-06-23
(60 Days Ago)
(60 Days Ago)
2025-05-24
(90 Days Ago)
(90 Days Ago)
Auto
3.64 - 5.99
4.39 - 6.39▲ 75 bps
3.39 - 6.14▼ 25 bps
3.64 - 6.44
3.64 - 6.44
3.64 - 5.14
Motorcycle
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
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
Other
8.95 - 11.30
8.95 - 11.30
8.95 - 11.30
8.45 - 10.45▼ 50 bps
8.45 - 11.30▼ 50 bps
8.45 - 10.45▼ 50 bps
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
8.95 - 11.30▲ 50 bps
Auto
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
4.24 - 5.99
Auto
4.35 - 4.52
4.35 - 4.52
4.35 - 4.52
4.35
4.35 - 4.52
4.35 - 4.52
4.52 - 5.07▲ 17 bps
Motorcycle
4.94 - 5.06
4.94 - 5.06
4.94 - 5.06
4.94 - 5.06
4.94 - 5.06
5.06 - 5.31▲ 12 bps
BAXTER CREDIT UNION
As of August 22, 2025, Baxter’s new Auto loan rates range from 3.64% to 5.99% APR, showing a slight narrowing since 7 days ago (4.39% - 6.39%). Compared to 15 days ago, the low end rose by 25 bps, but the high end decreased by 15 bps. Over 30 days, rates remain relatively stable with minor fluctuations. Members seeking affordable financing should focus on the current lower APR of 3.64% for competitive savings. For those prioritizing manageable payments, checking longer-term loan options could offer additional flexibility and cost benefits.
CONSUMERS CREDIT UNION
As of August 22, 2025, Consumers’ new auto loan rates remain steady at 3.99% to 6.44% APR, showing no change over the past 30 days. This consistency provides members with predictable financing costs for new vehicles. For those seeking affordable options, the lowest rates starting at 3.99% APR offer strong value. Consider exploring longer-term loans to reduce monthly payments while locking in these stable rates. Staying informed on rate trends helps you make confident decisions when financing your next new vehicle purchase.
SHELL FEDERAL CREDIT UNION
As of August 22, 2025, Shell’s New Auto Loan rates remain steady at 3.99% to 18.00% APR, with no changes over the past 30 days. This consistent range offers members reliable options for financing new vehicles. For those seeking affordability, the lowest rates starting at 3.99% APR provide excellent value. Consider checking longer-term loan options if you prefer lower monthly payments while managing overall costs effectively. Staying informed on rate stability can help you plan your vehicle purchase with confidence.
KEESLER FEDERAL CREDIT UNION
As of August 22, 2025, Keesler's new vehicle loan rates remain steady across all products. New Auto loans hold a wide APR range of 3.99% to 9.49%, unchanged from last month. The most affordable financing is found in the Auto loan program’s low 3.99% APR. Meanwhile, Motorcycle loans consistently range from 6.49% to 8.49%, and both Recreational and Other vehicle loans maintain rates between 5.74% and 9.24%. For members seeking manageable payments, exploring longer-term new auto loans could provide better monthly affordability without rate increases.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of August 22, 2025, American Airlines' New Auto Loan rates remain steady at 3.99% to 4.74% APR, showing no change over the past 30 days. Similarly, the New Other Vehicle Loan rates hold firm between 6.74% and 6.99% APR with no recent movement. For members seeking the most affordable financing, the New Auto Loan offers the lowest APR range available today. Consider longer-term loans to lower monthly payments if budgeting flexibility is a priority. Staying informed on stable rates helps members plan vehicle purchases confidently.
NAVY FEDERAL CREDIT UNION
As of August 22, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady across all products compared to the past 30 days. New Auto loans hold the most affordable range at 4.09% - 7.59% APR, unchanged over the month. Motorcycle loans are steady at 8.95% APR, improving from a higher rate last month. Both Other and Recreational loans maintain ranges near 8.95% - 11.30% APR with no recent changes. For members seeking manageable payments, consider longer-term Auto loans to maximize affordability without rate increases.
UNITED CREDIT UNION
As of August 22, 2025, United’s New Auto Loan rates hold steady at 4.15% - 6.55% APR, with the upper range rising slightly from 6.30% a week ago. Compared to 30 days ago, the lower rate remains stable, while the higher end increased by 25 bps, signaling a modest uptick in premium rates. Members seeking affordability will find the 4.15% APR entry point attractive. For those prioritizing manageable payments, consider longer-term loan options to balance rate and monthly cost effectively.
STATE EMPLOYEES CU OF MARYLAND, INC CREDIT UNION
As of August 22, 2025, new auto loan rates at State Employees CU Of Maryland Inc remain steady at 4.24% to 5.99% APR, unchanged over the past 30 days. This consistent pricing offers members reliable financing for new vehicles without rate fluctuations. For those seeking affordability, the lower end of the APR range (4.24%) provides competitive value. Consider longer-term loan options if you want to reduce monthly payments while maintaining these stable rates. Staying informed on steady APRs helps members plan vehicle purchases confidently.
FIRST COMMUNITY CREDIT UNION
As of August 22, 2025, First Community 66818 maintains stable rates for new vehicle loans. Both New Auto Loans (4.34% - 17.44% APR) and New Motorcycle Loans (7.99% - 17.99% APR) show no change over the past week. The most affordable option remains the New Auto Loan at 4.34% APR, offering great value for members seeking new vehicles. For those aiming to reduce monthly payments, consider longer-term loan options to balance affordability with manageable payments. Staying informed on these steady rates can help you plan your next vehicle purchase confidently.
FIRST FLIGHT FEDERAL CREDIT UNION
As of August 22, 2025, First Flight Federal Credit Union’s new vehicle loan rates remain stable. New Auto loans hold steady at 4.35% - 4.52% APR, unchanged over the past 30 days, offering the most affordable financing option. Motorcycle loans also remain consistent at 4.94% - 5.06% APR for the last 15 days. The newly listed Recreational vehicle loans range from 6.24% to 8.08% APR today. For members seeking manageable payments, consider longer-term Auto loans, which typically help lower monthly costs while locking in these competitive rates.
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Conclusion
Looking ahead, consider refinancing if your current rate is above today’s lowest offers, especially with Baxter’s sub-4% auto loans leading the pack. For first-time buyers or those upgrading, now is a strong time to explore credit unions with stable or improving rates like Consumers and American Airlines CU. Motorcycle and recreational vehicle buyers should watch Keesler and Navy Federal for consistent deals in their niche markets. Keep an eye on monthly trends—small shifts of even a few basis points can translate into significant savings over time. Ultimately, staying informed and acting promptly on the best credit union rates can maximize your buying power and minimize financing costs as you plan your next vehicle purchase or refinance move.