Introduction
As of August 29, 2025, savvy car shoppers and vehicle enthusiasts have some compelling financing options to explore. Vystar Credit Union leads the pack with an impressively low auto loan rate of 2.94% APR, making it a standout choice for anyone looking to save on their next car purchase. Meanwhile, most credit unions have kept rates fairly stable over the past month, but Keesler shows a notable tightening on its auto loan ceiling, dropping from 9.49% to 7.39%, which could benefit borrowers seeking mid-tier credit options. Motorcycle buyers should keep an eye on Keesler’s steady 6.49% rate—competitive for two-wheel financing. Families or buyers interested in recreational vehicles might consider Keesler’s recreational loans at 5.74%, offering solid value compared to higher rates elsewhere. Whether you’re hunting for a family SUV or your dream motorcycle, today’s rates highlight the importance of comparing credit union offers to secure the best deal.
New - Vehicle Loans
Credit Union
Product
2025-08-29
(Current Day)
(Current Day)
2025-08-22
(7 Days Ago)
(7 Days Ago)
2025-08-14
(15 Days Ago)
(15 Days Ago)
2025-07-30
(30 Days Ago)
(30 Days Ago)
2025-07-15
(45 Days Ago)
(45 Days Ago)
2025-06-30
(60 Days Ago)
(60 Days Ago)
2025-05-31
(90 Days Ago)
(90 Days Ago)
Vystar
Auto
2.94
5.54 - 8.59▲ 260 bps
2.94
2.94
Arkansas
Auto
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
3.99 - 5.79
Consumers 68588
Auto
3.99 - 6.44
Shell
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Keesler
Auto
3.99 - 7.39
3.99 - 9.49
3.99 - 9.49
3.99 - 7.39
3.99 - 9.49
Keesler
Motorcycle
6.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
Keesler
Other
5.74 - 7.49
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
Keesler
Recreational
5.74
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
American Airlines
Auto
3.99 - 4.74
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
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
8.95 - 10.80
8.95 - 10.80
Navy Federal Credit Union
Other
8.95 - 11.30
8.95 - 11.30
8.95
8.45 - 11.30▼ 50 bps
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
8.95 - 11.30▲ 50 bps
Certified
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
United 67587
Auto
4.15 - 6.30
Safe 9988
Auto
4.24 - 9.24
4.24 - 9.24
Safe 9988
Other
6.50 - 8.00
Vystar
As of August 29, 2025, Vystar’s New Auto Loan rate remains steady at a competitive 2.94% APR, unchanged over the past 30 days and significantly lower than last week’s broader range of 5.54% to 8.59%. This consistent low rate offers excellent value for members seeking affordable financing on new vehicles. For those prioritizing manageable monthly payments, consider longer-term loan options to maximize savings while maintaining this attractive APR. Staying informed on these rates can help you make smarter financing decisions for your next vehicle purchase.
Arkansas
As of August 29, 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 financing options for new vehicles without rate fluctuations. For those seeking affordability, locking in a rate now ensures stable payments. Consider exploring longer-term loans if you want lower monthly installments while keeping a competitive APR. Staying informed helps you make the best decision for your budget and vehicle needs.
Consumers 68588
As of August 29, 2025, Consumers 68588's New Auto Loan rates range from 3.99% to 6.44% APR. Since there’s no prior data available, rate movement cannot be determined this week. These competitive rates offer affordable financing for new vehicle purchases. For members seeking manageable monthly payments, consider longer-term loan options to spread out costs effectively. Stay tuned for future updates to track any rate changes and optimize your financing strategy.
Shell
As of August 29, 2025, Shell’s New Auto Loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 30 days. This consistency offers members predictable financing options for new vehicles. For those seeking affordability, the lowest rates at 3.99% APR provide competitive opportunities to save on interest. Consider longer-term loans if you want to lower monthly payments while managing your budget effectively. Staying informed about stable rates like these helps members make confident decisions when financing a new vehicle.
Keesler
As of August 29, 2025, Keesler’s new vehicle loan rates show notable improvements. The Auto loan APR range narrowed to 3.99% - 7.39%, down from a high of 9.49% just 15 days ago. Similarly, Motorcycle loans stabilized at 6.49%, improving from up to 8.49%. Both Recreational and Other loans dropped from a max of 9.24% to around 7.49% or lower today. For members seeking affordability, the new Auto loan offers the lowest starting rate at 3.99%. Consider longer terms for manageable payments while locking in these improved rates.
American Airlines
As of August 29, 2025, American Airlines' New Auto loan rates remain steady at 3.99% to 4.74% APR, unchanged over the past 30 days, offering members a consistently affordable option for financing new vehicles. The Other new vehicle loans hold firm between 6.74% and 6.99% APR with no rate changes this month. For those seeking the best value, the New Auto loan provides the lowest rates available today. Consider longer-term loans to lower monthly payments while maintaining these competitive rates. Stay informed to maximize your financing benefits with American Airlines credit union.
Navy Federal Credit Union
As of August 29, 2025, Navy Federal Credit Union’s new vehicle loan rates remain steady across all products. New Auto loans hold at 4.09% to 7.59% APR, offering the most affordable financing option for members. Motorcycle loans stay fixed at 8.95% APR, while Recreational and Other vehicle loans range from 8.45% to 11.30% APR with no recent changes. Members seeking value should consider new Auto loans for competitive rates and review longer terms to lower monthly payments. No rate increases or decreases were observed in the past 30 days, indicating stable borrowing costs.
Certified
As of August 29, 2025, Certified’s new auto loan rates remain steady at 4.09% to 6.49% APR, showing no change over the past 30 days. This consistency offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordability, new auto loans at 4.09% APR represent the most cost-effective choice. To manage monthly payments effectively, consider checking longer-term loan options, which may provide lower installments even if the APR stays constant. Staying informed on Certified’s stable rates can help members plan their vehicle purchase with confidence.
United 67587
As of August 29, 2025, United 67587’s New Auto Loan rates range from 4.15% to 6.30% APR. Since no prior rate data is available for comparison, there are no recent APR changes to report. This range offers competitive financing options for members seeking new vehicles. Focus on the lower end of the APR spectrum for the most affordable borrowing costs. For those aiming to manage monthly payments effectively, exploring longer-term loan programs could provide added flexibility and savings. Stay informed to make the best financing choice for your new vehicle purchase.
Safe 9988
As of August 29, 2025, Safe 9988’s New Auto Loan rates remain steady at 4.24% to 9.24% APR, unchanged over the past week. The Other new vehicle loan program shows a competitive range of 6.50% to 8.00% APR, newly available today. For members seeking affordability, the New Auto Loan offers the lowest starting rate at 4.24% APR. To manage monthly payments, consider longer-term loan options within these programs for potentially lower installments while securing stable rates. Staying informed helps members make confident financing decisions on new vehicles.
LendMesh
Need a loan for your next vehicle that won’t derail your financial goals? LendMesh gives you clear choices from lenders who value fairness and transparency. See the full picture at https://www.lendmesh.com/loans/vehicle_loans and borrow on your terms.
Conclusion
Looking ahead, now is a smart time to consider refinancing existing auto loans if your current rate exceeds today’s competitive offerings like Vystar’s 2.94%. For those planning a new purchase, locking in rates soon could shield you from potential increases as markets shift. Don’t overlook credit unions that provide specialized loans for motorcycles and recreational vehicles—they often deliver better terms than traditional lenders. Keep monitoring weekly rate movements, especially if you’re flexible with timing your buy; even small basis point drops can translate into meaningful savings over the life of a loan. Ultimately, pairing your vehicle choice with the right credit union loan can make all the difference—so stay informed, compare offers carefully, and take advantage of these attractive rates to drive away with confidence.