Introduction
As of September 7, 2025, car shoppers and vehicle enthusiasts have some attractive financing options to consider. The lowest auto loan APR is a standout 2.94% at Vystar Credit Union, offering a rare fixed rate that has held steady over the past month. For those looking beyond traditional cars, Atlanta Postal Credit Union presents competitive rates starting as low as 2.00% on "Other" vehicle loans, which could include motorcycles or specialty vehicles. While most credit unions show stable rates, Delta Community’s auto loan rates have softened by roughly 90 basis points compared to 30 days ago, presenting an opportunity for buyers seeking flexible terms. If you’re eyeing recreational vehicles, Baxter Credit Union offers reasonable rates beginning at 5.69%, catering to families ready for adventure. Whether you’re financing your first car or upgrading to a motorcycle or RV, today’s market rewards those who shop smart and act quickly.
New - Vehicle Loans
Credit Union
Product
2025-09-07
(Current Day)
(Current Day)
2025-08-31
(7 Days Ago)
(7 Days Ago)
2025-08-23
(15 Days Ago)
(15 Days Ago)
2025-08-08
(30 Days Ago)
(30 Days Ago)
2025-07-24
(45 Days Ago)
(45 Days Ago)
2025-07-09
(60 Days Ago)
(60 Days Ago)
2025-06-09
(90 Days Ago)
(90 Days Ago)
Auto
3.64 - 6.39
4.39 - 6.39▲ 75 bps
3.64 - 5.99
4.14 - 6.44▲ 50 bps
3.64 - 6.44
3.64 - 6.44
Auto
3.79 - 16.09
4.69 - 16.39▲ 90 bps
4.69 - 16.39▲ 90 bps
4.69 - 16.39▲ 90 bps
4.69 - 16.39▲ 90 bps
4.69 - 16.39▲ 90 bps
4.69 - 16.39▲ 90 bps
Other
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
ATLANTA POSTAL CREDIT UNION
As of September 7, 2025, Atlanta Postal’s new vehicle loan rates are fresh with no prior data for comparison. The Other loan program offers the lowest starting APR at 2.00%, providing great value for members seeking affordable financing. Meanwhile, Auto and Recreational loans start at 4.74% and 6.74% APR, respectively. Since no rate changes are reported yet, members should consider locking in current low rates now. For more manageable payments, explore longer-term options within these programs to find a fit that suits your budget.
VYSTAR CREDIT UNION
As of September 7, 2025, Vystar’s New Auto Loan maintains a competitive 2.94% APR, unchanged from last week and 30 days ago. This steady low rate contrasts with the wider range seen 15 days prior (5.54% - 8.59%), indicating a significant improvement for members seeking new vehicle financing. New auto loans have effectively dropped by over 260 bps in the past 15 days, offering substantial savings. For members prioritizing manageable monthly payments, consider exploring longer-term loan options to maximize affordability while locking in these favorable rates.
HAPO COMMUNITY CREDIT UNION
For new vehicle loans at Hapo Community, the Auto loan APR remains steady at 3.00% to 17.99% over the past 30 days, showing no rate fluctuations. This consistent range offers members predictable financing costs for new vehicles. Consider shorter-term loans to lock in lower rates near the 3.00% APR or explore longer terms if you want more manageable monthly payments. Staying informed on these stable rates can help you plan your vehicle purchase with confidence.
TYNDALL FEDERAL CREDIT UNION
As of September 7, 2025, Tyndall’s New Auto Loan rates range from 3.24% to 6.74% APR with no prior data available for comparison. This offers members a competitive starting point for financing new vehicles. Consider locking in rates soon to take advantage of these affordable terms before potential market shifts. For those seeking manageable payments, exploring longer loan terms may provide added flexibility without sacrificing affordability. Stay tuned for future updates as more rate trends become available.
BAXTER CREDIT UNION
As of September 7, 2025, Baxter’s new Auto loan rates range from 3.64% to 6.39% APR, showing a notable drop of up to 75 bps compared to 7 days ago and improved affordability over the past month. Meanwhile, Recreational vehicle loans debut at 5.69% to 7.69% APR, offering new options for members. For those seeking the lowest payments, explore longer-term Auto loans at the current low rates to maximize savings. Keeping an eye on these trends can help members secure the best financing for their new vehicles.
DELTA COMMUNITY CREDIT UNION
As of September 7, 2025, Delta Community’s New Auto loan rates improved, dropping from 4.69%-16.39% thirty days ago to 3.79%-16.09% today, reflecting a notable decrease in starting APRs. Similarly, the Other vehicle loan category saw a significant rate drop from 6.59%-17.79% last month to 3.79%-17.49% now. These declines offer members more affordable financing options for new vehicles. For those seeking manageable payments, consider longer-term loans within these products to benefit from lower monthly costs while enjoying competitive APRs.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 7, 2025, Polish Slavic’s New Auto Loan rates range from 3.95% to 5.99% APR. With no previous data for comparison, rate movement cannot be determined this week. The competitive low starting APR of 3.95% offers an affordable option for members financing new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loans to potentially lower your monthly costs while securing a new vehicle at these attractive rates. Stay informed to choose the best fit for your budget and financing needs.
ARKANSAS FEDERAL CREDIT UNION
As of September 7, 2025, Arkansas Credit Union’s new Auto loan rates remain steady at 3.99% to 5.79% APR, showing no changes over the past 30 days. This consistent rate range offers members reliable and affordable financing options for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loans, which may help lower your payment amount while keeping rates stable. Staying informed on these steady rates can help you plan your vehicle purchase with confidence.
CONSUMERS CREDIT UNION
As of September 7, 2025, Consumers 68588’s new auto loan rates remain steady at 3.99% to 6.44% APR, unchanged from the past week. This consistency offers members reliable financing options for new vehicles without recent rate increases. For those seeking affordability, the lowest rate at 3.99% APR presents a strong value. To manage monthly payments effectively, consider longer-term loans, which may help lower your installments while maintaining these competitive rates. Staying informed on stable APRs can help you plan your vehicle purchase with confidence.
DUPONT COMMUNITY CREDIT UNION
As of September 7, 2025, Dupont Community’s New Auto Loan rates range from 3.99% to 13.39% APR. With no prior data for comparison, the current rates establish a baseline for members seeking affordable financing. The lowest APR at 3.99% offers excellent value for new vehicle buyers aiming to minimize interest costs. Members considering financing should explore varying term lengths, as longer terms may reduce monthly payments despite potential rate differences. Staying informed on rate updates can help you secure the most cost-effective loan tailored to your budget and vehicle choice.
LendMesh
Life moves fast—and so should your loan approval. LendMesh helps you access vehicle loans with quick responses and no confusion. Whether you need a car today or just want to plan ahead, start comparing rates at https://www.lendmesh.com/loans/vehicle_loans and take control of your next ride.
Conclusion
Looking ahead, now is a great time to evaluate your financing options carefully—especially if you’re considering refinancing an existing loan or purchasing a new ride soon. With rates like Vystar’s steady sub-3% APR and Atlanta Postal’s specialized low-rate programs, locking in a favorable rate can save you hundreds over the life of your loan. Keep an eye on credit unions like Delta Community and Baxter for potential rate shifts that could work in your favor. If you’re planning to buy recreational vehicles or motorcycles, exploring credit union-specific offers could yield better terms than traditional lenders. Take advantage of these competitive credit union rates by getting pre-approved early, ensuring your budget stays on track while driving off with confidence and savings in hand.