Introduction
If you’re shopping for a vehicle or considering refinancing, today’s rates from credit unions offer some standout opportunities. As of September 23, 2025, VYSTAR is leading the pack with an ultra-low auto loan rate of just 2.94% APR, holding steady from last week and significantly better than its range a month ago. For those eyeing motorcycles or recreational vehicles, U.S. EAGLE and KEESLER provide competitive options, with motorcycle rates starting at 6.49%. While most credit unions have maintained stable rates over the past two weeks, keep an eye on DELTA COMMUNITY’s auto loans, which remain broad but have slightly tightened at the low end from 4.69% to 3.79%. Whether you’re buying your first family SUV or upgrading your motorcycle, locking in one of these solid credit union rates can save you hundreds over the life of your loan.
New - Vehicle Loans
Credit Union
Product
2025-09-23
(Current Day)
(Current Day)
2025-09-16
(7 Days Ago)
(7 Days Ago)
2025-09-08
(15 Days Ago)
(15 Days Ago)
2025-08-24
(30 Days Ago)
(30 Days Ago)
2025-08-09
(45 Days Ago)
(45 Days Ago)
2025-07-25
(60 Days Ago)
(60 Days Ago)
2025-06-25
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.24
3.49 - 7.24
3.64 - 6.39▲ 15 bps
3.64 - 5.99▲ 15 bps
4.14 - 6.44▲ 65 bps
3.64 - 6.44▲ 15 bps
3.64 - 5.14▲ 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
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
Auto
3.99 - 9.49
3.99 - 9.49
3.99 - 9.49
3.99 - 9.49
3.99 - 7.39
3.99 - 7.39
1.00 - 9.49▼ 299 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
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
VYSTAR CREDIT UNION
As of September 23, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, unchanged from the past 15 days and a significant improvement from rates ranging between 5.54% and 8.59% thirty days ago. This stability offers members an affordable financing option for new vehicles. Consider locking in these low rates now to maximize savings over your loan term. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of September 23, 2025, TYNDALL's new auto loan rates remain steady, ranging from 3.24% to 6.74% APR, with no changes over the past 30 days. This consistent rate environment offers members reliable financing options for new vehicles. For those seeking cost-effective borrowing, the lower end of the rate spectrum provides competitive affordability. Consider longer-term loans to potentially lower monthly payments while maintaining these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of September 23, 2025, BAXTER’s new auto loan rates remain steady, ranging from 3.49% to 7.24% APR, unchanged over the past week. Compared to 15 and 30 days ago, the minimum rate improved slightly from 3.64%, offering more affordable financing options for members seeking new vehicles. Members looking for lower monthly payments should consider longer-term loans within this range. Monitoring these rates can help secure the best terms for your new vehicle purchase. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 23, 2025, DELTA COMMUNITY’s new vehicle loan rates remain stable. The Auto loan APR holds steady at 3.79% to 16.09%, unchanged from both 7 and 15 days ago, and improved from 4.69% thirty days prior. The Other vehicle loan rates also hold at 3.79% to 17.49%, down significantly from 6.59% a month ago. Members seeking affordable financing should note the low starting APRs on both products. Consider longer-term loans for reduced monthly payments if budget flexibility is important. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 23, 2025, POLISH & SLAVIC's new auto loan rates remain steady at 3.95% to 5.99% APR, unchanged 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 loans could provide greater affordability without rate increases. Staying informed on these stable rates can help members plan vehicle purchases with confidence. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 23, 2025, new vehicle loan rates at U.S. EAGLE remain stable with no changes in APR over the past 30 days. New Auto loans offer competitive rates from 3.99% to 7.54%, providing an affordable option for many members. Motorcycle loans hold steady at 7.99% APR, while Recreational vehicle loans range between 8.99% and 10.79%. For members seeking cost-effective financing, the new auto loan program presents the lowest starting rates. Consider exploring various term lengths to optimize monthly payments based on your budget and vehicle type. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates,
KEESLER FEDERAL CREDIT UNION
As of September 23, 2025, KEESLER’s new vehicle loan rates remain stable with no changes in the past 30 days. The Auto loan APR ranges from 3.99% to 9.49%, offering the most affordable financing option for members. Motorcycle loans hold steady between 6.49% and 8.49%, while Recreational vehicle loans range from 5.74% to 9.24%. Members seeking lower monthly payments should consider longer-term loans within these products for better affordability. For more details, visit https://www.kfcu.org/auto-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 23, 2025, new vehicle loan rates at UNIVERSITY OF KENTUCKY remain stable with no changes over the past 30 days. New Auto loans range from 3.99% to 6.49% APR, offering the most affordable financing for members seeking new vehicles. Motorcycle loans hold steady at 7.74% APR, while other vehicle loans range between 6.99% and 8.24% APR. For those prioritizing lower payments, consider longer-term auto loan options to manage monthly costs effectively. For more details, visit https://www.ukfcu.org/borrow/rates#auto,
DUPONT COMMUNITY CREDIT UNION
As of September 23, 2025, DUPONT COMMUNITY’s new auto loan rates remain steady, with APRs holding at 3.99% to 13.39% over the past 30 days. This stability offers members consistent financing terms for new vehicles. The lowest APR of 3.99% provides an affordable option for those seeking competitive rates on new auto loans. Consider longer-term loans if you aim to reduce monthly payments while maintaining a fixed rate. For more details, visit https://www.mydccu.com/loans/auto.
SHELL FEDERAL CREDIT UNION
As of September 23, 2025, SHELL’s new auto loan rates remain steady at 3.99% to 18.00% APR, showing no change over the past 30 days. This stability offers members clear expectations when financing new vehicles. For those seeking affordability, the lowest APR of 3.99% remains available, making it a strong option for cost-conscious borrowers. Consider checking longer-term loan options to potentially lower monthly payments while maintaining manageable interest costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
LendMesh
A solid vehicle loan can unlock more than a new ride—it can unlock freedom. Whether it’s getting to work, school, or your next adventure, LendMesh helps you find financing that fits your journey. Explore your options today at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to act if you want to maximize savings on your next vehicle purchase or refinance. Focus on credit unions like VYSTAR for the lowest auto loan APRs and explore motorcycle financing through KEESLER or U.S. EAGLE if that fits your lifestyle. Given the stability in most rates recently, waiting too long could mean missing out on these favorable terms, especially since some ranges are quite wide and may shift with market changes. If you currently carry higher-rate loans elsewhere, consider refinancing soon to capitalize on today’s competitive offers. Staying informed about weekly rate movements will empower you to negotiate confidently and secure the best deal possible.