Introduction
On September 10, 2025, savvy vehicle shoppers have plenty to smile about. The lowest APR available today is an impressive 2.00% on "Other" vehicle loans at Atlanta Postal Credit Union, perfect for those seeking flexible financing options beyond traditional autos. For auto loans specifically, Vystar stands out with a rock-solid 2.94% rate, unchanged over the past month—a reliable choice for steady savings. Meanwhile, Baxter Credit Union has seen a notable rise in its auto loan rates from 4.39% to a current 3.64%-6.39%, reflecting some tightening but still competitive for buyers ready to move quickly. If you’re eyeing motorcycles or recreational vehicles, expect rates in the mid to high single digits, with Us Eagle and University of Kentucky offering stable options around 7.74%-10.79%. Whether you’re buying your first car or upgrading your family ride, locking in these rates now can mean significant savings over time—especially as some credit unions hold steady while others shift slightly.
Used - Vehicle Loans
Credit Union
Product
2025-09-10
(Current Day)
(Current Day)
2025-09-03
(7 Days Ago)
(7 Days Ago)
2025-08-26
(15 Days Ago)
(15 Days Ago)
2025-08-11
(30 Days Ago)
(30 Days Ago)
2025-07-27
(45 Days Ago)
(45 Days Ago)
2025-07-12
(60 Days Ago)
(60 Days Ago)
2025-06-12
(90 Days Ago)
(90 Days Ago)
Auto
3.79 - 16.09
3.79 - 16.09
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
4.99 - 16.69▲ 120 bps
Other
3.79 - 17.49
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
ATLANTA POSTAL CREDIT UNION
As of September 10, 2025, Atlanta Postal’s used vehicle loan rates remain steady with no changes over the past 7 days. Used Auto loans range from 4.74% to 17.99% APR, while the most affordable option is the Other vehicle loan at 2.00% to 17.90% APR. The Recreational loan rates hold at 6.74% to 17.99% APR. For members seeking lower monthly payments, consider longer-term loans within these programs to maximize affordability and flexibility when financing your next used vehicle.
VYSTAR CREDIT UNION
As of September 10, 2025, Vystar’s Used Auto Loan APR remains steady at 2.94%, showing no change over the past 30 days. This consistent rate offers members a reliable and affordable option for financing used vehicles. For those seeking predictable payments, locking in this stable rate could be advantageous. Consider exploring loan terms that match your budget to maximize savings with this competitive APR.
TYNDALL FEDERAL CREDIT UNION
As of September 10, 2025, Tyndall’s Used Auto loan rates remain steady at 3.24% to 7.24% APR, unchanged over the past week. This consistent rate range offers members reliable financing for used vehicles without recent increases. For those seeking affordable options, the lower end of this range provides competitive borrowing costs. Consider longer-term loans to help reduce monthly payments while securing these stable rates. Staying informed on rate trends can help you time your loan application effectively.
BAXTER CREDIT UNION
This week at Baxter, Used Auto loan rates show a notable improvement with today’s APR range at 3.64% to 6.39%, down from 5.99% seven days ago and tightening from the previous ranges of 5.39%-6.39% (15 days) and 4.39%-6.69% (30 days). The Used Recreational loans debut at 6.69% to 7.69% APR, offering a clear benchmark for members interested in those vehicles. For affordable financing, consider the lower end of Used Auto loans today—great for managing payments without stretching budgets. Explore longer-term options to further reduce monthly costs while locking in competitive rates.
DELTA COMMUNITY CREDIT UNION
As of September 10, 2025, Delta Community’s Used Auto loan rates remain steady at 3.79% - 16.09% APR, down from 4.99% fifteen and thirty days ago, reflecting a significant improvement for borrowers. Similarly, the Used Other vehicle loans hold at 3.79% - 17.49% APR, improving from 6.59% earlier this month. These lower rates offer members more affordable financing options. For those seeking manageable monthly payments, consider longer-term loans within these products to maximize savings and flexibility.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 10, 2025, Polish Slavic’s Used Auto loan rates remain steady at 3.95% to 6.75% APR, showing no change over the past 7 days. This consistent rate range offers members reliable options for affordable used vehicle financing. For those seeking manageable monthly payments, consider longer-term loan durations within this rate band to spread costs effectively. Staying informed on these stable rates can help you plan your next used vehicle purchase with confidence.
U.S. EAGLE FEDERAL CREDIT UNION
For used vehicle loans at Us Eagle, Auto loan rates remain steady between 3.99% and 7.54% APR, holding firm over the past week with a notable improvement from 8.04%. Motorcycle loans stay fixed at 7.99% APR, showing no change this period. Recreational vehicle loans also hold steady, ranging from 8.99% to 10.79% APR. The most affordable option is the used Auto loan with rates starting at 3.99% APR—a great choice for budget-conscious members. Consider longer-term loans to manage monthly payments effectively while locking in these stable rates.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
This week at University Of Kentucky, used auto loan rates remain steady between 3.99% and 6.49% APR, offering the most affordable financing option for members. Motorcycle loans hold firm at 7.74% APR, while the Other vehicle loan category ranges from 6.99% to 8.24% APR, unchanged over the past week. With rates stable, members seeking cost-effective financing should consider used auto loans for lower monthly payments. Staying informed on these consistent rates can help you plan your next vehicle purchase with confidence.
SHELL FEDERAL CREDIT UNION
As of September 10, 2025, Shell’s Used Auto Loan APR remains steady at 3.99% to 18.00%, showing no change over the past 30 days. This consistent rate range offers members flexible financing options for various credit profiles. For those seeking affordability, the lowest APR of 3.99% provides a competitive entry point. Consider shorter loan terms if you want to minimize interest costs or explore longer terms for lower monthly payments. Staying informed on these stable rates can help members plan their vehicle purchases with confidence.
ALABAMA ONE CREDIT UNION
For used vehicle financing at Alabama One, the Used Auto Loan rate remains steady at 3.99% APR over the past week, with no changes in the last 15 and 30 days. This consistent rate offers members reliable, affordable financing for used vehicles. To maximize savings, consider locking in this rate now before potential market shifts. For manageable monthly payments, explore longer-term loan options that can help spread costs while maintaining competitive rates.
LendMesh
A great loan can make your car feel even better. At LendMesh, we believe transparency leads to better choices. That’s why we show real rates, not gimmicks, from lenders you can trust. Whether you're buying or refinancing, start your journey at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, consider locking in today’s low APRs before any potential rate hikes—especially if your credit score qualifies you for top-tier offers like Atlanta Postal’s 2.00% or Vystar’s 2.94%. If you already have a vehicle loan with a higher rate from last year or earlier this summer, it might be worth exploring refinancing options now to lower your monthly payments and overall interest costs. Families and motorcycle enthusiasts should also keep an eye on recreational loan rates; stable offers at Baxter and Us Eagle suggest favorable terms are still available but could tighten soon. Ultimately, act decisively when you spot a rate that fits your budget, and don’t hesitate to ask your credit union about pre-approval or special promotions—they often offer personalized deals that can beat national averages. Staying informed and proactive is your best strategy for driving away with a great deal this fall season.