Introduction
As of September 19, 2025, savvy car shoppers and vehicle enthusiasts can take advantage of some standout loan rates across credit unions. The lowest APR available today is an impressive 2.00% for "Other" vehicle loans at Texas Dow Employees Credit Union, a rate that’s dramatically dropped from over 7% just a month ago, talk about a deal! For traditional auto loans, VyStar offers a standout 2.94% APR, maintaining stability from last week and showing a significant drop from rates as high as 8.59% just 30 days ago. Motorcycle buyers should note Texas Dow Employees’ steady range between 7.10% and 7.29%. Meanwhile, Baxter and Tyndall provide competitive mid-range auto loan rates spanning roughly 3.24% to 7.24%, giving plenty of options depending on your credit profile. Whether you’re eyeing a family sedan, motorcycle, or specialty vehicle, now’s a prime time to lock in affordable financing before rates shift again.
New - Vehicle Loans
Credit Union
Product
2025-09-19
(Current Day)
(Current Day)
2025-09-12
(7 Days Ago)
(7 Days Ago)
2025-09-04
(15 Days Ago)
(15 Days Ago)
2025-08-20
(30 Days Ago)
(30 Days Ago)
2025-08-05
(45 Days Ago)
(45 Days Ago)
2025-07-21
(60 Days Ago)
(60 Days Ago)
2025-06-21
(90 Days Ago)
(90 Days Ago)
Motorcycle
7.10 - 7.29
7.29▲ 19 bps
7.29▲ 19 bps
7.29▲ 19 bps
7.29▲ 19 bps
7.29▲ 19 bps
Other
2.00
7.10 - 7.29▲ 510 bps
7.10 - 7.29▲ 510 bps
7.10 - 7.29▲ 510 bps
7.10 - 7.29▲ 510 bps
7.10 - 7.29▲ 510 bps
Auto
3.49 - 7.24
3.64 - 6.39▲ 15 bps
3.64 - 6.39▲ 15 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
Other
3.79 - 17.49
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
Motorcycle
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
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
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 19, 2025, new auto loan rates remain steady at 5.99% APR, showing no change over the past 30 days. The motorcycle loan rate improved slightly to a range of 7.10% to 7.29% APR, down from a consistent 7.29%. Notably, the “Other” new vehicle loan rate dropped sharply from 7.10-7.29% to a very competitive 2.00% APR, offering significant savings for qualifying members. For those seeking affordable financing, the “Other” category now presents the best value. Consider reviewing your loan options to take advantage of these favorable rates. For more details, visit https://www.tdecu.org/rates/#!personal__vehicle-loans__auto.
VYSTAR CREDIT UNION
As of September 19, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, unchanged over the past 7 and 15 days. This marks a significant improvement from rates seen 30 days ago, which ranged between 5.54% and 8.59%. The current rate offers members an affordable financing option for new vehicles. Consider locking in this low rate promptly to benefit from stable monthly payments. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of September 19, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.74% APR, unchanged over the past 30 days. This consistent range offers members reliable financing for new vehicles without rate fluctuations. For those seeking affordability, the lower end of this spectrum represents the most cost-effective option. Consider longer-term loans to manage monthly payments effectively while maintaining competitive rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of September 19, 2025, BAXTER’s new auto loan rates range from 3.49% to 7.24% APR, showing an increase in the upper range compared to 7 and 15 days ago (from 6.39% to 7.24%). The lower rate improved slightly from 3.64% to 3.49%. This shift suggests members seeking the lowest rates should act promptly to secure financing. Check longer-term loan options for potentially lower monthly payments despite higher overall APRs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 19, 2025, DELTA COMMUNITY's new vehicle loan rates remain stable compared to the past 7 and 15 days. The Auto loan APR range holds steady at 3.79% to 16.09%, down from 4.69% thirty days ago, reflecting a notable decrease in entry-level rates. Similarly, the Other vehicle loan APRs maintain a range of 3.79% to 17.49%, improving significantly from 6.59% one month ago. For members seeking affordability, the lowest APRs on both products offer competitive financing options. Consider longer-term loans to further manage monthly payments effectively. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 19, 2025, new auto loan rates at POLISH & SLAVIC remain steady between 3.95% and 5.99% APR, showing no changes over the past 30 days. This consistency offers members reliable access to competitive financing for new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options may provide added flexibility without rate increases. Members looking for affordable financing can confidently consider these stable rates when planning their next vehicle purchase. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
KEESLER FEDERAL CREDIT UNION
As of September 19, 2025, KEESLER’s new vehicle loan rates remain stable with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 3.99% to 9.49%, maintaining consistent value for members. Motorcycle loans hold steady between 6.49% and 8.49%, while Recreational vehicle loans range from 5.74% to 9.24%. For members seeking predictable financing, these unchanged rates provide clarity. Consider longer-term loans for lower monthly payments if affordability is a priority. For more details, visit https://www.kfcu.org/auto-loans/.
DUPONT COMMUNITY CREDIT UNION
As of September 19, 2025, DUPONT COMMUNITY’s new auto loan rates remain stable, holding steady between 3.99% and 13.39% APR over the past 30 days. This consistency offers reliable financing options for members seeking new vehicles. The lowest rate at 3.99% APR presents an affordable choice for those prioritizing cost-effective borrowing. Members looking to manage monthly payments may want to explore longer-term loans within this range for better budgeting flexibility. For more details, visit https://www.mydccu.com/loans/auto,
CONSUMERS CREDIT UNION
As of September 19, 2025, CONSUMERS' new auto loan rates remain steady between 3.99% and 6.44% APR, showing no change over the past 30 days. This consistent rate range offers members reliable financing for new vehicles without recent fluctuations. For those seeking affordability, the lower end at 3.99% APR represents the most competitive option available today. Consider exploring different loan terms to balance monthly payments and total interest costs effectively. For more details, visit https://www.myconsumers.org/rates.
SHELL FEDERAL CREDIT UNION
As of September 19, 2025, SHELL’s new auto loan rates remain steady at 3.99% to 18.00% APR, with no changes over the past 30 days. This consistent range offers members clear options for financing new vehicles. For those seeking affordability, the lowest rate at 3.99% APR provides a competitive choice. Consider exploring longer-term loans if you want to manage monthly payments effectively while maintaining stable rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
We get it—vehicle financing can be full of fine print and guesswork. But it doesn’t have to be. LendMesh helps you break it down with clear comparisons, expert tips, and transparent terms. See how simple it can be at https://www.lendmesh.com/loans/vehicle_loans .
Customers Also Interested In
Conclusion
Looking ahead, consider locking in these attractive rates sooner rather than later, especially if you qualify for the ultra-low offerings at Texas Dow Employees or VyStar. If you already have a vehicle loan with higher interest, exploring refinancing could save you hundreds monthly given how some credit unions have slashed their APRs recently. For families upgrading vehicles or motorcycle fans eager for new rides, taking advantage of stable or falling rates means more budget flexibility for extras like warranties or insurance. Keep an eye on your credit score and shop around within these credit unions to find tailored terms that fit your needs best. Staying informed and proactive will help you drive away with the best deal possible in this evolving market.