Introduction
On August 22, 2025, savvy vehicle shoppers have some standout financing options to consider. The lowest auto loan rate today is an impressive 2.94% APR at Vystar Credit Union, offering a prime opportunity for buyers looking to save on their next car purchase. Motorcycle enthusiasts should note Keesler’s steady motorcycle loan rates between 6.49% and 8.49%, holding firm over the past month. While most credit unions show stable rates this week, Baxter Credit Union saw a slight tightening with rates improving by up to 75 basis points compared to last week’s high end. For families considering recreational vehicles or other specialty loans, Keesler and Navy Federal offer competitive ranges but with no major shifts recently. Whether you’re after a sleek sedan or a rugged bike, today’s landscape suggests locking in financing sooner rather than later to capitalize on these favorable terms.
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)
Vystar
Auto
2.94
2.94
5.54 - 8.59▲ 260 bps
Educators
Auto
3.49 - 10.69
4.80 - 10.69▲ 131 bps
4.80 - 10.69▲ 131 bps
4.80 - 10.69▲ 131 bps
4.80 - 10.69▲ 131 bps
Baxter
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
Keesler
Auto
3.99 - 9.49
3.99 - 9.49
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
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
5.74 - 9.24
Keesler
Recreational
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
3.99 - 18.00
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
Consumers
Auto
3.99 - 6.44
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
3.99 - 18.00
Certified
Auto
4.09 - 6.49
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
8.95 - 10.80
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
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
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
8.95 - 11.30▲ 50 bps
Vystar
As of August 22, 2025, Vystar’s New Auto Loan APR remains steady at 2.94%, unchanged from 7 days ago but significantly lower than the 5.54% to 8.59% range seen 15 days ago. This stability offers members an affordable financing option for new vehicles. For those seeking predictable payments, locking in this low rate now could be beneficial before any market shifts. Consider exploring longer-term loans if you prefer smaller monthly installments while maintaining a competitive APR.
Educators
As of August 22, 2025, Educators’ new Auto loan rates have improved significantly, dropping from a range of 4.80% - 10.69% over the past 30 days to 3.49% - 10.69% today. This marks a notable decrease in the lower APR tier, offering members more affordable financing options for new vehicles. For those seeking the best value, locking in rates near the current low of 3.49% APR is advisable. Additionally, consider longer-term loans if you want to lower monthly payments while taking advantage of these competitive rates.
Baxter
As of August 22, 2025, Baxter’s New Auto Loan rates range from 3.64% to 5.99% APR, showing a notable decrease in minimum rates by 75 bps over the past week and a slight uptick in maximum rates compared to 15 days ago. Members benefit most from today’s lowest rate of 3.64% APR, offering affordable financing for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options to spread costs effectively while locking in competitive rates. Staying informed helps you secure the best terms for your next vehicle purchase.
Keesler
As of August 22, 2025, Keesler’s new vehicle loan rates remain steady across all products. New Auto loans hold a range of 3.99% to 9.49% APR, unchanged over the past 30 days. Motorcycle loans stay consistent at 6.49% to 8.49% APR, offering stable financing for enthusiasts. Both Recreational and Other vehicle loans maintain rates between 5.74% and 9.24% APR with no shifts in the last month. For members seeking affordability, new auto loans present the lowest starting APR at 3.99%. Consider longer terms to ease monthly payments while securing these stable rates.
Arkansas
As of August 22, 2025, Arkansas credit union’s new auto loan rates remain steady at 3.99% to 5.79% APR, showing no change over the past 30 days. This consistent rate range offers members reliable, affordable financing for new vehicles. For those seeking manageable monthly payments, explore longer-term loan options within this rate bracket to maximize affordability. Staying informed on stable rates helps members make confident purchasing decisions without unexpected increases.
American Airlines
As of August 22, 2025, American Airlines Credit Union’s new vehicle loan rates remain stable. The New Auto Loan APR holds steady at 3.99% to 4.74%, offering members some of the most affordable financing options available today. Meanwhile, the Other New Vehicle Loan APR stays unchanged at 6.74% to 6.99%. With no rate changes in the past 30 days, now is a solid time to explore new auto loans for competitive rates. Consider longer-term loans to lower monthly payments while securing these consistent rates.
Consumers
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 offers members reliable financing for new vehicles without rate fluctuations. For those seeking affordability, the lowest rates start at 3.99% APR, making it a strong option for budget-conscious buyers. Consider longer-term loans to reduce monthly payments while locking in these stable rates. Staying informed on these steady APRs helps members plan their vehicle purchases confidently with Consumers credit union.
Shell
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 predictable financing options for new vehicles. For those seeking affordability, the lowest APR of 3.99% provides a competitive entry point. To manage monthly payments effectively, consider longer-term loan options, which may lower your monthly obligations despite similar APRs. Staying informed on rate stability helps members plan their new vehicle purchases with confidence.
Certified
As of August 22, 2025, Certified’s new auto loan rates remain steady at 4.09% to 6.49% APR, unchanged over the past 30 days. This consistency offers members predictable financing for new vehicles. With no rate fluctuations, now is a good time to lock in competitive fixed rates. For those seeking manageable payments, consider longer-term loan options to spread costs while maintaining these stable rates. Certified continues to provide reliable financing for new vehicle purchases with transparent and stable APRs.
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 lowest APR range at 4.09% - 7.59%, offering the most affordable financing for members. Motorcycle loans are stable at 8.95%, while Recreational and Other vehicle loans maintain wider APR ranges up to 11.30%. For members seeking lower monthly payments, consider longer-term new auto loans within this competitive rate band to maximize affordability and manage cash flow effectively.
LendMesh
You did the research. You found the perfect car. Now, don’t overpay for the loan. At LendMesh, we give you side-by-side comparisons of trusted vehicle loan offers, so you can pick the one that saves the most. Drive smarter at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
As you plan your next vehicle purchase or think about refinancing, keep an eye on those low-rate opportunities like Vystar’s 2.94% auto loans—they’re rare and worth acting on quickly. If your current loan has a higher APR, it might be time to explore refinancing with credit unions offering more competitive rates to reduce your monthly payments and overall interest. Motorcycle and recreational vehicle buyers should monitor stable lenders like Keesler and Navy Federal for consistent offers but also stay alert for any seasonal promotions that could appear soon. Ultimately, being proactive and pre-approved can put you in the driver’s seat when the perfect deal hits—consider starting your application process today to secure these advantageous terms before rates shift again.