Introduction
As of September 18, 2025, car shoppers and motorcycle enthusiasts alike have some solid financing options to consider. The lowest APR available is an impressive 3.24% on auto loans at Tyndall Credit Union, making it a standout for anyone looking to save on interest. Baxter Credit Union also saw notable shifts with their rates tightening slightly this week, dropping as low as 3.49%, after a bit of fluctuation over the last month. For those interested in motorcycles or recreational vehicles, U.S. Eagle offers competitive motorcycle loans at a steady 7.99%, while Navy Federal’s motorcycle rates remain in the 8.95% to 10.80% range. Buyers should keep an eye on credit unions like Delta Community and Shell, where higher maximum APRs (up to 18%) suggest a wider range of borrower risk profiles but also potential for negotiation or targeted offers. If you’re planning your next vehicle purchase, now’s a great time to shop around these credit unions’ rates, locking in a low APR today can mean big savings over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2025-09-18
(Current Day)
(Current Day)
2025-09-11
(7 Days Ago)
(7 Days Ago)
2025-09-03
(15 Days Ago)
(15 Days Ago)
2025-08-19
(30 Days Ago)
(30 Days Ago)
2025-08-04
(45 Days Ago)
(45 Days Ago)
2025-07-20
(60 Days Ago)
(60 Days Ago)
2025-06-20
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.24
3.64 - 6.39▲ 15 bps
4.39 - 6.39▲ 90 bps
3.64 - 5.99▲ 15 bps
3.39 - 5.14▼ 10 bps
3.64 - 6.44▲ 15 bps
Auto
3.79 - 16.09
3.79 - 16.09
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
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
4.09 - 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
Other
8.45 - 11.30
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
8.95 - 11.30▲ 50 bps
8.95 - 0.00▼ 845 bps
TYNDALL FEDERAL CREDIT UNION
As of September 18, 2025, TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 6.74% APR with no changes over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those seeking affordability, the lower end of the rate range provides competitive options. 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
As of September 18, 2025, BAXTER’s new auto loan rates range from 3.49% to 7.24% APR, with the lowest rate improving by 15 basis points compared to 7 days ago and down 90 basis points from 15 days ago. The upper rate increased slightly over the past week but remains competitive. Members seeking affordability should consider locking in rates soon, as recent fluctuations indicate variable pricing. Check long-term loan options for potentially lower monthly payments despite higher rates at the top end. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 18, 2025, DELTA COMMUNITY’s new auto loan APRs remain steady at a range of 3.79% to 16.09%, unchanged over the past 30 days. This stability offers members consistent financing options without recent rate increases. The lowest rate of 3.79% continues to provide affordable borrowing for new vehicles. Members seeking manageable monthly payments should consider longer-term loan options to optimize affordability. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 18, 2025, POLISH & SLAVIC's new Auto loan rates remain steady between 3.95% and 5.99% APR, with no changes over the past 30 days. This consistent rate range offers members reliable affordability for financing new vehicles. For members seeking manageable monthly payments, exploring longer-term loan options may provide added flexibility without rate fluctuations. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of September 18, 2025, SHELL's new auto loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 30 days. The lowest rates at 3.99% continue to offer affordable financing for members seeking new vehicles. For those prioritizing manageable payments, exploring longer-term loan options could provide better budget flexibility. Consistent rates reflect stable market conditions, making now a reliable time to consider new vehicle financing. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
DUPONT COMMUNITY CREDIT UNION
As of September 18, 2025, DUPONT COMMUNITY’s new auto loan rates remain steady at 3.99% to 13.39% APR, unchanged over the past 30 days. This consistency offers members reliable financing options with competitive starting rates under 4%. For those seeking manageable monthly payments, exploring longer-term loan durations may provide added affordability. Staying informed on rate trends can help optimize your vehicle financing strategy. For more details, visit https://www.mydccu.com/loans/auto,
CONSUMERS CREDIT UNION
As of September 18, 2025, new auto loan rates at CONSUMERS remain steady, ranging from 3.99% to 6.44% APR, with no changes over the past 30 days. This consistency offers members predictable financing costs on new vehicles. For those seeking the most affordable borrowing option, the lower end of this range at 3.99% APR represents strong value. Consider longer-term loans if you want to lower monthly payments without rate fluctuations. For more details, visit https://www.myconsumers.org/rates.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 18, 2025, U.S. EAGLE's new auto loan rates remain steady at 3.99% to 7.54% APR, holding firm over the past 30 days with no changes. Motorcycle loans maintain a fixed rate of 7.99% APR, while recreational vehicle loans also show no movement, staying between 8.99% and 10.79% APR. Members seeking affordability should consider the competitive new auto loan rates starting at 3.99% APR. For those preferring manageable payments, exploring longer-term loan options could be beneficial. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates.
CERTIFIED FEDERAL CREDIT UNION
As of September 18, 2025, CERTIFIED's new auto loan rates remain steady, holding at 4.09% to 6.49% APR over the past 30 days with no changes detected. This stability offers consistent affordability for members financing new vehicles. For those seeking predictable monthly payments, exploring longer-term loan options may provide additional budgeting flexibility. Members can rely on these unchanged competitive rates when planning their vehicle purchase. For more details, visit https://www.certifiedfed.com/rates-2/#vehicle.
NAVY FEDERAL CREDIT UNION
As of September 18, 2025, Navy Federal Credit Union’s new vehicle loan rates remain stable across all products compared to the past 30 days. New Auto loans continue to offer competitive APRs from 4.09% to 7.59%, providing the most affordable financing option for members. Motorcycle loans hold steady between 8.95% and 10.80%, while Other vehicle loans range from 8.45% to 11.30%. Members seeking lower monthly payments should consider longer-term Auto loan options with these steady rates. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, whether you’re buying new or refinancing an existing loan, focus on securing the lowest possible APR from reputable credit unions like Tyndall or Baxter to maximize your savings. Keep monitoring weekly rate movements, small basis point changes can affect your monthly payments more than you’d expect. If you’re considering motorcycles or recreational vehicles, U.S. Eagle’s steady rates provide predictable financing that’s worth exploring. For families and savvy buyers, don’t hesitate to ask about pre-approval options and flexible terms that credit unions often offer beyond just the headline rate. Refinancing when rates dip even slightly can lower your overall cost, so stay informed and ready to act quickly. In today’s market, timing combined with thorough comparison shopping at credit unions could be your best strategy for affordable vehicle financing.