Introduction
If you’re shopping for a vehicle on August 27, 2025, today’s credit union loan rates offer some smart opportunities to save. The lowest APR for auto loans is an attractive 3.99% at Shell Credit Union, making it an excellent choice for budget-conscious buyers looking for flexible terms. Motorcycle enthusiasts can explore competitive rates too, with Apple Credit Union offering as low as 4.54% APR and First Community starting at 7.99% APR. Notably, United 67587 just introduced a fresh auto loan rate range of 4.15% to 6.30%, giving car shoppers another solid option. While most credit unions have kept their rates steady over the past month, California Coast showed a slight uptick of 100 basis points on the low end last week (from 4.78% to 5.78%), signaling that timing can impact your financing cost. Whether you’re buying your first family car or upgrading your ride, these rates highlight how comparing credit union offers can help you secure the best deal without stretching your budget.
Used - Vehicle Loans
Credit Union
Product
2025-08-27
(Current Day)
(Current Day)
2025-08-20
(7 Days Ago)
(7 Days Ago)
2025-08-12
(15 Days Ago)
(15 Days Ago)
2025-07-28
(30 Days Ago)
(30 Days Ago)
2025-07-13
(45 Days Ago)
(45 Days Ago)
2025-06-28
(60 Days Ago)
(60 Days Ago)
2025-05-29
(90 Days Ago)
(90 Days Ago)
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
United 67587
Auto
4.15 - 6.30
First Community 66818
Auto
4.34 - 17.44
4.34 - 17.44
First Community 66818
Motorcycle
7.99 - 17.99
7.99 - 17.99
Americas Credit Union
Auto
4.46 - 14.14
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
4.46 - 13.93
Americas Credit Union
Recreational
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
8.90 - 18.00
State Employees CU Of Maryland Inc
Auto
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
4.49 - 6.24
Apple
Auto
4.49 - 5.99
4.49 - 5.99
4.49 - 5.99
5.49▲ 100 bps
5.49▲ 100 bps
Apple
Motorcycle
4.54 - 6.14
4.54 - 6.14
5.39 - 6.14▲ 85 bps
5.39▲ 85 bps
5.39▲ 85 bps
Scott
Auto
4.74 - 6.99
5.44 - 9.49▲ 70 bps
Scott
Motorcycle
7.99 - 9.24
7.99 - 10.99
8.49 - 10.99▲ 50 bps
Scott
Other
8.95 - 10.45
Tower
Auto
4.74 - 7.49
4.74 - 7.49
4.74 - 7.49
4.74 - 7.49
4.74 - 7.49
Blaze
Auto
4.75 - 7.90
4.75 - 7.90
4.75 - 7.90
4.75 - 7.90
4.75 - 7.90
California Coast
Auto
4.78 - 8.48
5.78 - 8.48▲ 100 bps
4.78 - 7.08
4.78 - 8.48
4.78 - 8.48
Shell
As of August 27, 2025, Shell’s Used Auto Loan rates remain steady at 3.99% to 18.00% APR, with no changes over the past 30 days. This consistent pricing provides predictable financing for members looking to purchase used vehicles. For those seeking affordability, the lowest APR of 3.99% offers a competitive option. Consider longer loan terms if you want to reduce monthly payments while managing your budget effectively. Staying informed on stable rates like these helps members make confident vehicle financing decisions.
United 67587
As of August 27, 2025, United 67587’s used Auto loan rates range from 4.15% to 6.30% APR, with no prior data available for comparison. This competitive rate offers members an affordable way to finance pre-owned vehicles. For those seeking manageable payments, consider longer-term loans within this range to balance monthly costs and interest. Staying informed on these rates can help you secure the best financing for your next used vehicle purchase.
First Community 66818
As of August 27, 2025, First Community 66818’s used vehicle loan rates remain steady. The Used Auto Loan APR holds at a range of 4.34% to 17.44%, unchanged from one week ago. Similarly, the Used Motorcycle Loan APR is stable between 7.99% and 17.99%. For members seeking affordability, the Used Auto Loan offers the lowest starting rate at 4.34%. Consider exploring longer-term loans to potentially lower monthly payments and better fit your budget. Staying informed on these stable rates can help you plan your next vehicle purchase with confidence.
Americas Credit Union
As of August 27, 2025, Americas Credit Union’s used Auto loan rates remain steady at 4.46% - 14.14% APR, with no change over the past 30 days. Similarly, used Recreational loan rates hold firm between 8.90% and 18.00% APR. The most affordable option continues to be the used Auto loan, ideal for members seeking competitive financing. For those prioritizing manageable payments, consider longer-term used Auto loans, which often offer lower monthly costs despite slightly higher rates. Staying informed on these stable rates can help members plan their vehicle financing confidently.
State Employees CU Of Maryland Inc
For August 27, 2025, used auto loan rates at State Employees CU Of Maryland Inc remain steady at 4.49% to 6.24% APR, unchanged over the past 30 days. This consistent pricing offers members reliable financing options without rate increases. The lower end of the range represents the most affordable borrowing cost for used vehicles. Consider locking in these stable rates now to secure predictable monthly payments before potential market shifts. For those seeking flexibility, exploring different loan terms may help balance payment size and interest expense effectively.
Apple
This week at Apple Credit Union, Used Auto loans remain steady at 4.49% - 5.99% APR, holding consistent for the past 15 days. Meanwhile, Used Motorcycle loans improved from 5.39% - 6.14% to 4.54% - 6.14% APR over 15 days, offering more affordable rates for riders. For members seeking value, the Used Auto loan provides the most competitive fixed range right now. Consider these stable rates when planning your next vehicle purchase and explore longer terms if you want to lower monthly payments while securing a dependable rate.
Scott
This week at Scott Credit Union, Used Auto loans show a notable improvement with rates dropping from 5.44-9.49% fifteen days ago to 4.74-6.99% today, offering members more affordable financing options. Motorcycle loan rates remain steady compared to last week but have decreased slightly from 8.49-10.99% fifteen days ago to 7.99-9.24% now. The Other used vehicle loans debuted at a competitive 8.95-10.45% APR today. For members seeking lower monthly payments, exploring longer-term loan options could be beneficial given the current favorable rates on used autos.
Tower
As of August 27, 2025, Tower’s Used Auto Loan APR remains steady between 4.74% and 7.49%, showing no change over the past 30 days. This consistent rate range offers members reliable financing for used vehicles without recent fluctuations. For those seeking affordability, the lower end of the 4.74% APR presents an attractive option. Consider exploring longer loan terms to reduce monthly payments while locking in these stable rates. Staying informed on these trends can help you make confident decisions when financing your next used vehicle with Tower.
Blaze
As of August 27, 2025, Blaze’s Used Auto loan rates remain steady at 4.75% to 7.90% APR, showing no change over the past 30 days. This consistent rate range offers members reliable and affordable financing for used vehicles. Consider these stable rates when planning your purchase to lock in predictable payments. For those seeking lower monthly costs, exploring longer-term loan options could provide additional savings without rate fluctuations. Staying informed on steady APRs helps members make confident, cost-effective financing decisions.
California Coast
As of August 27, 2025, California Coast’s Used Auto Loan rates range from 4.78% to 8.48% APR, showing a notable drop at the low end compared to 7 days ago (from 5.78% down to 4.78%). Rates remain steady at the upper end over the past month. This makes used auto loans at 4.78% APR the most affordable option for members seeking value. Consider shorter loan terms to lock in these competitive rates and reduce interest costs over time. Staying informed on these trends can help you make smarter financing decisions.
LendMesh
Not sure where to start? LendMesh has your back. Our platform breaks down everything from APR to loan terms so you can make a confident decision. Compare offers now at https://www.lendmesh.com/loans/vehicle_loans and take the stress out of vehicle financing.
Conclusion
Looking ahead, if you’re considering buying or refinancing a vehicle, now is a great time to act while top credit unions maintain competitive rates near historic lows—especially those like Shell and United 67587 offering sub-5% auto loans. Keep an eye on weekly changes, such as California Coast’s recent rate shift, which reminds us that staying informed can make a big difference in what you pay over the life of your loan. For motorcycle buyers and RV owners, credit unions like Apple and Americas Credit Union provide targeted programs worth exploring for tailored financing solutions. Before finalizing any loan, compare offers carefully and consider locking in a rate soon, as market fluctuations could push costs higher later this year. Smart timing and choosing the right credit union partner will help you get behind the wheel with confidence—and save money along the way.