Introduction
On September 17, 2025, savvy vehicle buyers can tap into some of the most competitive auto loan rates available at credit unions nationwide. The standout deal today is from Tyndall Credit Union, offering an impressively low APR starting at 3.24% for auto loans, perfect for anyone looking to save on their next car purchase. Baxter Credit Union also tightened its rates, dropping from 3.64%, 6.39% last week to a flat 3.49% today, giving shoppers a sharp opportunity for savings. While most credit unions held steady over the past month, watch out for slight rate increases in recreational loans at U.S. Eagle and broader ranges at First Community, which currently offers auto loan APRs as high as 17.44%. Whether you’re eyeing a family SUV, a sleek motorcycle, or even an RV, these rates highlight where your money goes furthest right now, especially if you act quickly to lock in one of the best deals on the market.
Used - Vehicle Loans
Credit Union
Product
2025-09-17
(Current Day)
(Current Day)
2025-09-10
(7 Days Ago)
(7 Days Ago)
2025-09-02
(15 Days Ago)
(15 Days Ago)
2025-08-18
(30 Days Ago)
(30 Days Ago)
2025-08-03
(45 Days Ago)
(45 Days Ago)
2025-07-19
(60 Days Ago)
(60 Days Ago)
2025-06-19
(90 Days Ago)
(90 Days Ago)
Auto
3.49
3.64 - 6.39▲ 15 bps
5.99▲ 250 bps
3.64 - 5.99▲ 15 bps
3.39 - 5.14▼ 10 bps
3.64▲ 15 bps
Auto
3.79 - 16.09
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
Auto
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
3.99 - 18.00
Auto
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
4.09 - 6.49
Auto
4.24 - 17.44
4.34 - 17.44▲ 10 bps
4.34 - 17.44▲ 10 bps
4.34 - 17.44▲ 10 bps
TYNDALL FEDERAL CREDIT UNION
As of September 17, 2025, TYNDALL’s used auto loan rates remain steady at 3.24% to 7.24% APR, showing no change over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordability, the lower end of this range presents a competitive option. Consider longer-term loans if you prefer manageable monthly payments without rate fluctuations. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
BAXTER’s used auto loan rates have improved significantly, with the APR now at a competitive 3.49%, down from a range of 3.64% to 6.39% just one week ago and 5.99% fifteen days ago. This marks a notable decrease, offering members more affordable financing options for used vehicles. For members seeking cost-effective monthly payments, exploring longer-term used auto loans could provide additional savings. Staying updated on these rates can help in making informed borrowing decisions. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
Used auto loan rates at DELTA COMMUNITY remain steady today, holding at 3.79% to 16.09% APR, unchanged over the past 15 days but improved from 30 days ago when rates started at 4.99%. This offers members access to some of the most affordable financing options for used vehicles in recent weeks. Consider shorter terms or improving your credit score to qualify for rates near the lower end of this range. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
Used auto loan rates at POLISH & SLAVIC remain steady at 3.95% to 6.75% APR over the past 30 days, offering consistent affordability for members financing pre-owned vehicles. This stable range provides a clear benchmark for budgeting your next purchase. Consider longer loan terms if you aim to lower monthly payments while maintaining competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
SHELL FEDERAL CREDIT UNION
As of September 17, 2025, SHELL’s used auto loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 30 days. This stable range offers members consistent options for financing used vehicles with competitive rates starting under 4%. Consider longer-term loans for lower monthly payments if affordability is a priority. For clear, reliable financing on used autos, review current offerings to match your budget needs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 17, 2025, U.S. EAGLE’s used vehicle loan rates remain stable, with Auto loans holding steady between 3.99% and 7.54% APR over the past 30 days. The Motorcycle loan rate remains fixed at 7.99% APR, while Recreational loans continue at 8.99% to 10.79% APR without change. For members seeking affordability, used auto loans offer the lowest starting rates. Consider longer-term options to manage monthly payments effectively. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates.
CERTIFIED FEDERAL CREDIT UNION
As of September 17, 2025, CERTIFIED's used auto loan rates remain steady, with APRs holding at 4.09% to 6.49% over the past 30 days. This consistent pricing provides members predictable financing options for used vehicles. For those seeking affordability, the current rate range offers competitive terms without recent fluctuations. Consider exploring longer-term loans if you want to lower monthly payments while maintaining these stable rates. For more details, visit https://www.certifiedfed.com/rates-2/#vehicle.
LGE COMMUNITY CREDIT UNION
Used auto loan rates at LGE COMMUNITY currently range from 4.20% to 8.60% APR, with no recent changes available for comparison. This rate bracket offers affordable financing options for members seeking used vehicles. Consider shorter loan terms to secure the lowest rates and reduce interest costs over time. For members prioritizing budget-friendly monthly payments, exploring various term lengths may provide better financial alignment. For more details, visit https://www.lgeccu.org/borrow/loans/auto-loans.html,
FIRST COMMUNITY CREDIT UNION
As of September 17, 2025, FIRST COMMUNITY’s used vehicle loan rates remain steady, with Auto loans ranging from 4.24% to 17.44% APR and Motorcycle loans between 7.99% and 17.99% APR, unchanged over the past 30 days. The lowest used auto rate at 4.24% APR offers an affordable option for members financing pre-owned vehicles. For those seeking manageable payments, exploring longer-term loan options could provide better monthly budgeting. For more details, visit https://fccu.org/rates/new-used-auto-rates.
PROVIDENT CREDIT UNION
Used auto loan rates at PROVIDENT have widened today, ranging from 4.25% to 10.00% APR, compared to a narrower 4.99% to 7.99% over the past 15 days. This shift offers members access to more competitive low-end rates, though higher rates have increased. Consider locking in rates soon if you seek the lowest APRs for used vehicles. For more details, visit https://www.providentfcu.com/current-rates/#new_car_loans_100_financing.
LendMesh
Your credit score isn’t the only thing that matters. At LendMesh, we work with credit unions and banks who look at the full picture—so you’re more likely to find a loan that fits your needs. See for yourself at https://www.lendmesh.com/loans/vehicle-loans and apply with confidence.
Conclusion
If you’re considering buying or refinancing a vehicle soon, now is a smart time to explore credit union offers with low starting rates like those from Tyndall and Baxter. Even small differences in APR can save you hundreds over your loan term. For motorcycle enthusiasts or recreational vehicle buyers, keep an eye on U.S. Eagle’s stable but higher rates and weigh whether waiting might bring better terms down the line. For families seeking flexibility, consider how broader rate ranges impact total costs and choose lenders with clear, competitive pricing. Ultimately, getting pre-approved early and comparing multiple credit unions can unlock the best financing tailored to your needs, helping you drive away with confidence and savings that last well beyond the dealership lot.