Introduction
As of September 17, 2025, car shoppers and motorcycle enthusiasts have some attractive financing options to consider. The lowest APR available right now is an impressive 3.24% for auto loans at Tyndall Credit Union, holding steady over the past month, making it a standout choice for anyone looking to save on interest. Baxter Credit Union’s auto rates have tightened slightly from 3.64%-6.39% to a sharp 3.49% today, offering a solid deal for buyers who want competitive fixed rates. On the other hand, some credit unions like Delta Community and First Community are showing wider ranges up to 16-17%, signaling more varied risk profiles or loan terms. Motorcycle buyers should note that U.S. Eagle and First Community hold steady with rates around 7.99%, which is consistent but not the lowest overall. For families considering recreational vehicles, U.S. Eagle’s 8.99%-10.79% range remains stable with no recent jumps. If you’re shopping for a new vehicle or refinancing, keeping an eye on these subtle shifts can help you lock in the best deal possible, especially when credit unions like Tyndall and Baxter are maintaining or improving their low-rate offers.
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
Used auto loan rates at TYNDALL remain steady at 3.24% to 7.24% APR, unchanged over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. For those seeking affordability, the lower end of the range provides competitive rates for used vehicles. Consider longer-term loans if you want to manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
For used auto loans at BAXTER, the APR has improved to 3.49% today, down from a range of 3.64% to 6.39% seven days ago and 5.99% fifteen days ago, showing a clear downward trend in rates over the past month. This represents one of the most affordable used vehicle financing options currently available. Members seeking lower monthly payments should consider locking in these competitive rates soon. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 17, 2025, DELTA COMMUNITY’s Used Auto loan rates remain steady, with APRs ranging from 3.79% to 16.09%, unchanged over the past 15 days. Compared to 30 days ago, the lower rate improved significantly from 4.99%, offering better affordability for members seeking used vehicles. This stable low-end rate presents a valuable opportunity for cost-conscious borrowers. Consider exploring longer terms to manage monthly payments effectively while locking in competitive rates. 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. The stable rate range supports predictable budgeting without recent increases. Consider shorter-term loans to secure the lower end of this rate spectrum if monthly payments are a priority. 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 consistency provides members with predictable financing options for used vehicles. For those seeking affordable rates, the 3.99% APR remains the most competitive entry point. Consider exploring longer-term loans to manage monthly payments effectively while maintaining this stable rate environment. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 17, 2025, used auto loan rates at U.S. EAGLE remain steady between 3.99% and 7.54% APR, unchanged over the past 30 days, offering members consistent affordability. Motorcycle loans hold firm at 7.99% APR, with no shifts in recent weeks. Similarly, recreational vehicle loans stay stable from 8.99% to 10.79% APR. For members seeking reliable rates, now is a good time to consider your financing options. Check longer-term used auto loans for potentially lower monthly payments. 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 at 4.09% to 6.49% APR, showing no changes over the past 30 days. This stability offers members consistent financing options without rate fluctuations. For those seeking affordability, the current 4.09% lower APR range represents a competitive choice for used vehicle financing. Consider exploring longer-term loan options to manage monthly payments effectively while maintaining these favorable rates. For more details, visit https://www.certifiedfed.com/rates-2/#vehicle.
LGE COMMUNITY CREDIT UNION
As of September 17, 2025, LGE COMMUNITY's used auto loan rates range from 4.20% to 8.60% APR, with no prior data available for comparison. This rate range offers members flexible options depending on credit profile and loan terms. For members seeking affordable financing, the lower end at 4.20% APR presents a competitive opportunity. Consider evaluating your loan term preferences, as longer terms may help reduce monthly payments. 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, slightly improving from last week’s 4.34% floor rate. Motorcycle loans hold firm at 7.99% to 17.99% APR, unchanged over the past month. The slight drop in the lowest used auto rate offers members better affordability on shorter-term financing. Consider exploring longer-term used auto loans for potentially lower monthly payments, depending on your budget. For more details, visit https://fccu.org/rates/new-used-auto-rates,
PROVIDENT CREDIT UNION
Used auto loan rates at PROVIDENT have widened to a range of 4.25% to 10.00% APR today, compared to last week’s tighter band of 4.99% to 7.99%. This shift reflects an increased upper rate ceiling, presenting opportunities for members with stronger credit profiles to secure the most affordable financing near 4.25% APR. Members seeking budget-friendly options should consider locking in competitive rates soon, as volatility may continue. For those prioritizing manageable payments, exploring longer-term loans could provide additional flexibility. 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
Looking ahead, now is a smart time to explore refinancing if your current loan rate exceeds these competitive credit union offers, especially if you’re with a lender charging above 4%. For new purchases, focusing on credit unions like Tyndall or Baxter can provide significant savings over the life of your loan thanks to their consistently low APRs. Keep monitoring rates closely; even small dips of 10-15 basis points can add up in monthly savings. If you’re considering motorcycles or recreational vehicles, don’t overlook stability, U.S. Eagle’s steady rates suggest predictable financing costs without surprises. Lastly, if your timeline is flexible, watch for any upcoming promotions or seasonal rate adjustments that could further lower borrowing costs. Stay proactive and informed, your next vehicle purchase or refinance could benefit from these favorable credit union rates and minor fluctuations in APRs that make all the difference in your budget.