Introduction
As of September 29, 2025, savvy car buyers and motorcycle enthusiasts can take advantage of some of the lowest vehicle loan rates available at credit unions today. The standout deal comes from Tyndall Credit Union, offering the lowest APR starting at an impressive 3.24% for auto loans, a solid choice for those looking to finance their next car with affordable monthly payments. Meanwhile, Alabama One Credit Union holds a steady 3.99% rate on auto loans, providing reliable options without surprises. On the other hand, rates at Baxter Credit Union have shown a slight increase in their upper range over the past month, moving from 4.39% to 7.24%, signaling a need to act soon if you want to lock in better terms. For motorcycle buyers, Navy Federal Credit Union offers competitive rates starting at 7.45%, though these have eased slightly from last week’s higher numbers, making now a good time to shop around. Whether you’re buying new or used, keeping an eye on these shifts can save you hundreds over your loan term, so use today’s rates as your launchpad for smart financing decisions.
New - Vehicle Loans
Credit Union
Product
2025-09-29
(Current Day)
(Current Day)
2025-09-22
(7 Days Ago)
(7 Days Ago)
2025-09-14
(15 Days Ago)
(15 Days Ago)
2025-08-30
(30 Days Ago)
(30 Days Ago)
2025-08-15
(45 Days Ago)
(45 Days Ago)
2025-07-31
(60 Days Ago)
(60 Days Ago)
2025-07-01
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.24
3.49 - 7.24
3.64 - 6.39▲ 15 bps
4.39 - 6.39▲ 90 bps
4.39 - 6.39▲ 90 bps
3.64 - 5.14▲ 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
8.95 - 11.30▲ 200 bps
8.45 - 10.45▲ 150 bps
Recreational
7.45 - 9.80
8.95 - 11.30▲ 150 bps
8.45 - 11.30▲ 100 bps
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
TYNDALL FEDERAL CREDIT UNION
As of September 29, 2025, TYNDALL's new auto loan rates remain steady between 3.24% and 6.74% APR, unchanged over the past 30 days. This stable range offers consistent affordability for members financing new vehicles. For those seeking manageable monthly payments, exploring longer-term loan options could provide additional flexibility. Monitoring these rates can help you time your financing decisions effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of September 29, 2025, BAXTER's new auto loan rates remain stable at 3.49% to 7.24% APR, unchanged from a week ago. Compared to 15 days ago, the lower end improved by 15 basis points, while the upper range increased slightly. Over 30 days, rates have shifted notably with the minimum rate dropping from 4.39%, offering more affordable options for members financing new vehicles. Members seeking cost-effective financing should consider shorter-term loans to benefit from the lowest rates available today. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
DELTA COMMUNITY CREDIT UNION
As of September 29, 2025, DELTA COMMUNITY's new vehicle loan rates remain steady compared to one and two weeks ago. The Auto loan APR range holds at 3.79% to 16.09%, improving from a higher starting rate 30 days ago. Similarly, the Other vehicle loan program maintains rates between 3.79% and 17.49%, down notably from last month’s upper tier near 17.79%. For members seeking affordable financing, the lowest APR of 3.79% offers competitive entry points for new vehicles. Consider longer-term loans to manage monthly payments effectively. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
NAVY FEDERAL CREDIT UNION
As of September 29, 2025, Navy Federal Credit Union's new vehicle loan rates have generally decreased. The Auto loan APR range dropped from 4.09, 7.59% to 3.89, 7.39% over the past 30 days, offering members more affordable financing options. Similarly, Motorcycle and Recreational loan rates fell notably, with Motorcycle loans down from 8.95, 10.80% to 7.45, 9.30%, and Recreational loans from 8.95, 11.30% to 7.45, 9.80%. The Other vehicle loan category also saw a rate reduction, now at 6.95, 9.80%. For members seeking cost-effective financing, consider these lower APRs and review longer-term loans for manageable payments. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 29, 2025, POLISH & SLAVIC’s new auto loan rates remain steady at 3.95% to 5.99% APR, unchanged from the past 30 days. This consistency offers members reliable financing options for new vehicles without rate fluctuations. For those seeking affordable financing, the lower end of this range represents competitive pricing. Consider longer-term loans to manage monthly payments effectively while securing these stable rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
SHELL FEDERAL CREDIT UNION
As of September 29, 2025, SHELL's new auto loan rates remain steady, holding at an APR range of 3.99% to 18.00% for the past 30 days. This consistency offers members predictable financing terms, with the lowest rates providing affordable options for new vehicle purchases. For those seeking manageable monthly payments, exploring longer-term loans could be beneficial despite the flat rate environment. Members looking to finance new autos can rely on these stable rates for budgeting and planning. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
ALABAMA ONE CREDIT UNION
As of September 29, 2025, ALABAMA ONE's new auto loan APR remains steady at 3.99%, showing no change over the past 30 days. This consistent rate offers members a reliable financing option for new vehicles without recent fluctuations. For those prioritizing predictable payments, locking in this stable rate could be advantageous. Members considering vehicle financing should review term options to balance monthly costs and total interest paid. For more details, visit https://www.alabamaone.org/product/vehicle-loans.
ARKANSAS FEDERAL CREDIT UNION
As of September 29, 2025, ARKANSAS new auto loan rates remain steady at 3.99% to 5.79% APR, unchanged over the past 30 days. This consistency offers members predictable financing costs when purchasing new vehicles. The lowest rate of 3.99% APR presents an affordable option for those seeking competitive financing. For borrowers prioritizing manageable monthly payments, exploring longer-term loan options could provide additional flexibility. For more details, visit https://www.afcu.org/auto/new-and-used-auto-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of September 29, 2025, new vehicle loan rates at UNIVERSITY OF KENTUCKY remain steady across all categories. Auto loans hold a competitive APR range of 3.99% to 6.49%, unchanged over the past month, offering members affordable financing options for new cars. The Motorcycle loan rate is fixed at 7.74%, consistent for 30 days. For other new vehicles, rates range from 6.99% to 8.24%, also stable. Members seeking lower monthly payments should consider longer-term loans within these ranges to optimize affordability. For more details, visit https://www.ukfcu.org/borrow/rates#auto.
U.S. EAGLE FEDERAL CREDIT UNION
As of September 29, 2025, U.S. EAGLE’s new vehicle loan rates remain steady, with auto loans ranging from 3.99% to 7.54% APR holding firm over the past 30 days. The motorcycle loan rate stays at 7.99% APR, and recreational vehicle loans continue between 8.99% and 10.79% APR without change. Members seeking affordability should note the competitive low-end auto loan rates for new vehicles. Consider longer-term financing options to manage monthly payments effectively while securing these stable rates. For more details, visit https://www.useagle.org/rates/vehicle-loan-rates,
LendMesh
Need a loan for your next vehicle that won’t derail your financial goals? LendMesh gives you clear choices from lenders who value fairness and transparency. See the full picture at https://www.lendmesh.com/loans/vehicle_loans and borrow on your terms.
Conclusion
Looking ahead, consider refinancing your existing vehicle loan if your current rate is above today’s competitive offers, especially since credit unions like Tyndall and Alabama One maintain low APRs that could lower your monthly payments significantly. If you’re in the market for recreational vehicles or motorcycles, keep a close watch on Navy Federal’s rates, they tend to fluctuate but still offer solid deals when timed right. For families and first-time buyers, locking in a rate below 4% could mean substantial savings over time; don’t hesitate to get pre-approved and compare offers from multiple credit unions to ensure you’re not missing out. Above all, stay informed and ready to act quickly as rates can shift within weeks, being proactive about your vehicle financing strategy is key to maximizing value and driving away happy.