Introduction
If you’re shopping for a new ride or looking to refinance, today’s vehicle loan rates from credit unions bring some great opportunities. As of September 24, 2025, VYSTAR offers the lowest auto loan APR at an impressive 2.94%, holding steady from last week and significantly lower than its rate a month ago when it ranged as high as 8.84%. For those considering flexibility, TYNDALL’s auto loans range from 3.24% to 7.24% APR, consistent over the past two weeks, giving buyers room to find a rate that suits their credit profile. Motorcycle enthusiasts can check out University of Kentucky’s fixed 7.74% motorcycle loan rate, which remains unchanged and competitive in today’s market. Notably, DELTA COMMUNITY’s broad spectrum of rates (3.79% to over 16%) signals options for various credit tiers but watch for those higher rates on specialty loans. If you want to save on your next vehicle purchase, focusing on credit unions with stable, low APRs like VYSTAR or Alabama One (at 3.99%) could be your smartest move.
Used - Vehicle Loans
Credit Union
Product
2025-09-24
(Current Day)
(Current Day)
2025-09-17
(7 Days Ago)
(7 Days Ago)
2025-09-09
(15 Days Ago)
(15 Days Ago)
2025-08-25
(30 Days Ago)
(30 Days Ago)
2025-08-10
(45 Days Ago)
(45 Days Ago)
2025-07-26
(60 Days Ago)
(60 Days Ago)
2025-06-26
(90 Days Ago)
(90 Days Ago)
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
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 - 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 24, 2025, VYSTAR’s Used Auto Loan rate remains steady at 2.94% APR, unchanged over the past 30 days after a significant decrease from the previous 6.29% to 8.84% range. This stable low rate offers members an affordable financing option for used vehicles. For those seeking manageable monthly payments, consider exploring longer-term loan options to maximize budget flexibility. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of September 24, 2025, TYNDALL’s Used Auto Loan APR remains steady at 3.24% to 7.24%, showing no change over the past 30 days. This consistent rate range offers members clear expectations for financing used vehicles. For those seeking affordable monthly payments, exploring longer-term loan options may provide additional flexibility without rate increases. Members should review their individual credit profiles to identify the best fit within this stable rate spectrum. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of September 24, 2025, BAXTER's used auto loan rate remains steady at 3.49% APR, unchanged from a week ago and down from the 3.64% to 6.39% range reported 15 days ago. This marks a notable improvement in affordability compared to rates a month prior, which ranged up to 6.69%. Members seeking cost-effective financing should consider locking in this lower rate soon. Exploring longer-term loan options may help reduce monthly payments while benefiting from current low APRs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
Used vehicle loan rates at DELTA COMMUNITY remain stable over the past 7 and 15 days, with Auto loans holding steady at 3.79% to 16.09% APR and Other vehicle loans ranging from 3.79% to 17.49% APR. Compared to 30 days ago, the lowest rates on Auto loans dropped notably from 4.99%, and Other loans saw a significant decrease from 6.59%. Members seeking affordability should consider these lower starting rates for used vehicles. For manageable payments, explore longer-term loan options within these competitive ranges. 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 stable this week, holding steady between 3.95% and 6.75% APR over the past 30 days. This consistency offers members predictable financing costs for used vehicles. For those seeking affordable options, the lower end of this range provides competitive rates. Consider longer-term loans if you want to manage monthly payments effectively while maintaining reasonable interest costs. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 24, 2025, used vehicle loan rates at UNIVERSITY OF KENTUCKY remain stable with no changes over the past 30 days. Used Auto loans offer competitive APRs from 3.99% to 6.49%, providing the most affordable financing option. Motorcycle loans hold steady at 7.74% APR, while Other vehicle loans range between 6.99% and 8.24% APR. Members seeking lower monthly payments should consider longer-term loan options within these ranges. For more details, visit https://www.ukfcu.org/borrow/rates#auto.
ALABAMA ONE CREDIT UNION
As of September 24, 2025, ALABAMA ONE’s used auto loan rate remains steady at 3.99% APR, unchanged over the past 30 days. This consistent rate offers members an affordable option for financing used vehicles without recent fluctuations. Members seeking stability in loan costs will find value in this reliable rate. For those looking to manage monthly expenses, consider exploring longer-term used auto loans to potentially lower payments. For more details, visit https://www.alabamaone.org/product/vehicle-loans.
SHELL FEDERAL CREDIT UNION
For used vehicle loans at SHELL, the Auto loan APR remains steady between 3.99% and 18.00% over the past 30 days, showing no rate changes. This consistent rate range offers members predictable financing costs for used vehicles. To manage monthly payments effectively, consider longer-term loan options, which may help reduce payment amounts despite steady rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 24, 2025, U.S. EAGLE’s used vehicle loan rates remain steady with no changes over the past 30 days. Used Auto loans offer the lowest APR range at 3.99% to 7.54%, providing affordable financing options for members. Motorcycle loans hold firm at 7.99%, while Recreational vehicle rates range from 8.99% to 10.79%. Members seeking lower monthly payments should consider longer-term loan options within these stable rate ranges. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates,
ARKANSAS FEDERAL CREDIT UNION
As of September 24, 2025, ARKANSAS Used Auto loans maintain a stable APR range of 3.99% to 5.79%, consistent with rates from 30 days ago. This steady rate environment offers members affordable financing options without recent increases. For members seeking manageable monthly payments, consider longer-term used auto loans to optimize affordability. Monitoring these rates can help you time your vehicle purchase effectively. For more details, visit https://www.afcu.org/auto/new-and-used-auto-loans/.
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Conclusion
Looking ahead, now is a smart time to explore refinancing if your current loan carries a higher interest rate, credit unions like VYSTAR and BAXTER offer compelling deals under 3.5% APR that might lower your monthly payments significantly. If you’re buying new or used, consider locking in rates soon since some lenders show wide ranges indicating potential shifts in credit terms. For motorcycle buyers and families eyeing recreational vehicles, compare specialized programs like those at University of Kentucky and U.S. EAGLE to find tailored financing that fits your budget. Keep an eye on stable low-rate lenders and act decisively to secure the best terms, waiting too long could mean missing out on these favorable credit union offers as market conditions evolve.