Introduction
As of September 26, 2025, credit unions continue to offer competitive vehicle loan rates that can save you money on your next ride. The lowest APR available today is an impressive 3.24% for auto loans at Tyndall Credit Union, making it a top choice for car shoppers looking for affordable financing. Meanwhile, Baxter Credit Union’s auto loan rates have slightly shifted, with the upper range nudging from 6.39% to 7.24% over the past two weeks, signaling some movement in the market. Motorcycle enthusiasts should note Navy Federal Credit Union’s steady motorcycle loan rate starting at 7.45%, while U.S. Eagle holds firm at 7.99%. If you’re considering recreational vehicle financing, rates remain stable but vary widely, Delta Community offers rates up to 17.49%, so comparing options is key. Whether you’re buying your first car or upgrading your family vehicle, these current rates highlight opportunities to lock in low APRs before any potential rate hikes.
New - Vehicle Loans
Credit Union
Product
2025-09-26
(Current Day)
(Current Day)
2025-09-19
(7 Days Ago)
(7 Days Ago)
2025-09-11
(15 Days Ago)
(15 Days Ago)
2025-08-27
(30 Days Ago)
(30 Days Ago)
2025-08-12
(45 Days Ago)
(45 Days Ago)
2025-07-28
(60 Days Ago)
(60 Days Ago)
2025-06-28
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.24
3.49 - 7.24
3.64 - 6.39▲ 15 bps
4.39 - 7.69▲ 90 bps
3.64 - 6.69▲ 15 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
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
3.89 - 7.39
4.09 - 7.59▲ 20 bps
4.09 - 7.59▲ 20 bps
4.09 - 7.59▲ 20 bps
4.09 - 7.59▲ 20 bps
4.09 - 7.59▲ 20 bps
4.09 - 7.59▲ 20 bps
Motorcycle
7.45 - 9.30
8.95 - 10.80▲ 150 bps
8.95 - 10.80▲ 150 bps
8.95▲ 150 bps
8.95▲ 150 bps
8.95▲ 150 bps
8.95 - 10.80▲ 150 bps
Other
6.95 - 9.80
8.45 - 11.30▲ 150 bps
8.95 - 11.30▲ 200 bps
8.95 - 11.30▲ 200 bps
8.45 - 11.30▲ 150 bps
8.45 - 10.45▲ 150 bps
Recreational
7.45 - 9.80
8.45 - 11.30▲ 100 bps
8.45 - 11.30▲ 100 bps
8.45 - 11.30▲ 100 bps
8.95 - 11.30▲ 150 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
3.99 - 9.49
3.99 - 9.49
3.99 - 9.49
3.99 - 9.49
3.99 - 9.49
3.99 - 7.39
3.99 - 9.49
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
TYNDALL FEDERAL CREDIT UNION
As of September 26, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.74% APR, with no changes over the past 30 days. This stability offers consistent financing terms for members seeking new vehicles. For those prioritizing affordability, the lower end of this range provides competitive options. Consider longer-term loans if you want to balance monthly payments while maintaining access to these rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of September 26, 2025, BAXTER’s new auto loan rates remain steady at 3.49% to 7.24% APR, unchanged from one week ago but down from a higher starting point 30 days prior. The lowest rates have improved by approximately 90 basis points over the past month, offering members more affordable financing options for new vehicles. Members seeking cost-effective loans should consider locking in these current rates, especially if planning larger or longer-term purchases to manage monthly payments effectively. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 26, 2025, DELTA COMMUNITY’s new vehicle loan rates remain stable with Auto loans holding steady at 3.79% to 16.09% APR, unchanged over the past 30 days after a slight decrease from 4.69%. The Other vehicle loans also maintain rates between 3.79% and 17.49% APR, improving notably from 6.59% at the low end last month. For members seeking affordability, new auto loans offer the most competitive entry rates today. Consider longer-term loans for lower monthly payments and manageable financing. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates,
NAVY FEDERAL CREDIT UNION
As of September 26, 2025, Navy Federal Credit Union’s new auto loan rates have decreased notably, now ranging from 3.89% to 7.39% APR, down about 20 basis points over the past 15 days. Similarly, motorcycle loan rates fell significantly to 7.45% - 9.30% APR from over 8.9%. The most affordable option remains the new auto loan, offering members competitive financing. Consider longer-term loans for lower monthly payments if budget flexibility is a priority. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
POLISH & SLAVIC FEDERAL CREDIT UNION
POLISH & SLAVIC’s new auto loan rates remain steady at 3.95% to 5.99% APR, showing no change over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. Consider longer-term loans if you want to lower monthly payments while maintaining these competitive rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
SHELL FEDERAL CREDIT UNION
As of September 26, 2025, SHELL's new auto loan rates remain steady at 3.99% to 18.00% APR, unchanged over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. For those seeking budget-friendly options, the low-end rate of 3.99% APR represents an affordable choice. Members looking to manage monthly payments might consider longer-term loans within this program for greater flexibility. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 26, 2025, U.S. EAGLE’s new vehicle loan rates remain steady with no changes over the past 30 days. The most affordable option is the New Auto Loan at 3.99% APR, consistent for the last month. Motorcycle loans hold at 7.99% APR, and Recreational vehicle loans range from 8.99% to 10.79% APR without fluctuation. Members seeking budget-friendly financing should consider the new auto loan for competitive rates or explore longer terms for manageable payments. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 26, 2025, AMERICAN AIRLINES credit union maintains stable rates for new vehicle loans. The New Auto Loan APR remains steady between 3.99% and 4.74%, showing no change over the past 30 days, offering consistent affordability for members financing new cars. The Other New Vehicle Loans hold firm at 6.74% to 6.99% APR, with no fluctuations noted recently. For members seeking predictable payments, these stable rates provide a reliable financing option. Consider longer-term loan plans if you want to lower monthly costs without rate increases. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 26, 2025, new vehicle loan rates at UNIVERSITY OF KENTUCKY remain stable with no changes over the past 30 days. Auto loans hold a competitive APR range of 3.99% to 6.49%, offering the most affordable financing option for new vehicles. The Motorcycle loan rate is steady at 7.74%, while the Other vehicle loans range between 6.99% and 8.24%. Members seeking cost-effective financing should consider the lower end of the auto loan spectrum. Check long-term loan options for potentially reduced monthly payments and better budget management. For more details, visit https://www.ukfcu.org/borrow/rates#auto.
KEESLER FEDERAL CREDIT UNION
As of September 26, 2025, KEESLER’s new vehicle loan rates remain steady across all products with no changes over the past 30 days. New Auto loans offer the most affordable rates, ranging from 3.99% to 9.49% APR, providing strong value for members financing new cars. Motorcycle loans hold steady between 6.49% and 8.49% APR, while Recreational vehicle loans range from 5.74% to 9.24% APR. For members seeking manageable monthly payments, exploring longer-term loan options may be beneficial. For more details, visit https://www.kfcu.org/auto-loans/.
LendMesh
A vehicle loan isn’t just a number—it’s a piece of your financial story. At LendMesh, we believe you deserve options that work for your goals and your budget. Discover flexible terms and honest offers from banks and credit unions at https://www.lendmesh.com/loans/vehicle_loans .
Conclusion
Looking ahead, now is a smart time to explore refinancing existing loans if your current rate exceeds today’s offers, especially if you financed through other lenders or banks with higher APRs. For buyers ready to act, locking in a low auto loan rate like Tyndall’s 3.24% could significantly reduce your monthly payments and total interest over the life of the loan. Keep an eye on credit union updates as some rates can fluctuate weekly; timing your application during stable or declining rate periods can pay off. Families and motorcycle buyers should also consider their specific needs and shop around among credit unions like Navy Federal and U.S. Eagle to find tailored programs with manageable terms. Ultimately, staying informed and proactive about vehicle financing options will help you drive away with a deal that fits both your budget and lifestyle goals.