Introduction
As of October 3, 2025, car shoppers and motorcycle enthusiasts have some solid financing options to consider. The lowest APR available today is an impressive 2.94% for auto loans at VYSTAR, holding steady over the past month, making it a top pick for anyone looking to save on interest. For those with more flexible credit or different vehicle types, rates at credit unions like TYNDALL and BAXTER range from the low 3% to mid-7% zone, offering choices based on your credit profile and loan needs. Motorcycle buyers should note Navy Federal Credit Union’s rates starting at 7.45%, consistent week-over-week, while recreational vehicle financing sees slightly higher ranges but still competitive terms. Notably, POLISH & SLAVIC Credit Union trimmed their lower auto loan rate by about 45 basis points compared to last week, signaling some movement that savvy buyers can take advantage of. Whether you're buying new or used, keeping an eye on these stable yet varied rates can help you lock in the best deal for your next vehicle purchase.
New - Vehicle Loans
Credit Union
Product
2025-10-03
(Current Day)
(Current Day)
2025-09-26
(7 Days Ago)
(7 Days Ago)
2025-09-18
(15 Days Ago)
(15 Days Ago)
2025-09-03
(30 Days Ago)
(30 Days Ago)
2025-08-19
(45 Days Ago)
(45 Days Ago)
2025-08-04
(60 Days Ago)
(60 Days Ago)
2025-07-05
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.54
3.49 - 7.24
3.49 - 7.24
4.39 - 6.39▲ 90 bps
3.64 - 5.99▲ 15 bps
3.39 - 5.14▼ 10 bps
3.64 - 6.44▲ 15 bps
Auto
3.50 - 5.99
3.95 - 5.99▲ 45 bps
3.95 - 5.99▲ 45 bps
3.95 - 5.99▲ 45 bps
Auto
3.79 - 16.09
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
Other
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
3.79 - 17.49
6.59 - 17.79▲ 280 bps
6.59 - 17.79▲ 280 bps
Auto
3.89 - 7.39
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
Motorcycle
7.45 - 9.30
7.45 - 9.30
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
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 - 11.30▲ 150 bps
Recreational
7.45 - 9.80
7.45
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
3.98 - 7.93
4.28 - 8.23▲ 30 bps
4.28 - 8.23▲ 30 bps
4.28 - 6.83▲ 30 bps
4.78 - 8.48▲ 80 bps
4.78 - 7.08▲ 80 bps
4.78 - 8.48▲ 80 bps
Motorcycle
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
Motorcycle
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
6.49
6.49 - 8.49
6.49 - 8.49
6.49 - 8.49
VYSTAR CREDIT UNION
As of October 3, 2025, VYSTAR’s new auto loan APR remains steady at 2.94%, showing no change over the past 30 days. This consistent rate offers members a reliable and affordable financing option for new vehicles. For those looking to manage monthly payments effectively, exploring longer-term loan options could provide additional flexibility. Staying informed about stable rates helps members plan vehicle purchases with confidence. For more details, visit https://www.vystarcu.org/personal/rates/auto-and-vehicle-loan-rates.
TYNDALL FEDERAL CREDIT UNION
As of October 3, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.74% APR, unchanged over the past 30 days. This consistency offers members reliable financing options without rate fluctuations. For those seeking affordable vehicle financing, the current range provides competitive terms for various credit profiles. Consider exploring longer-term loans to balance monthly payments with total interest costs effectively. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of October 3, 2025, BAXTER’s new auto loan rates range from 3.49% to 7.54% APR, with the upper rate rising by 30 basis points compared to 15 days ago. The lowest rate remains steady at 3.49%, offering members affordable financing options for new vehicles. Notably, the maximum APR increased from 6.39% a month ago, signaling a shift in risk pricing. Members seeking stability should consider loans near the lower end of the rate spectrum. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of October 3, 2025, POLISH & SLAVIC’s new auto loan rates have decreased from 3.95% to a low of 3.50% APR, marking a 45 basis point drop over the past week. The upper range remains steady at 5.99%. This shift offers members more affordable financing options for new vehicles. For those seeking manageable monthly payments, consider exploring longer-term loans within this rate range. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
DELTA COMMUNITY CREDIT UNION
As of October 3, 2025, DELTA COMMUNITY’s new vehicle loan rates remain steady with no changes in APRs over the past 30 days. The Auto loan rates range from 3.79% to 16.09% APR, offering competitive financing for new vehicles. The Other vehicle loans hold a slightly wider range, from 3.79% to 17.49% APR, providing flexible options for less common vehicle types. For members seeking affordability, the lowest rates on Auto loans present strong value. Consider exploring longer-term options 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 October 3, 2025, new auto loan rates at Navy Federal Credit Union remain steady between 3.89% and 7.39% APR, unchanged from last week but down 20 basis points compared to 15 days ago. Motorcycle and other vehicle loans have seen significant declines, with motorcycle rates dropping from a high of 10.80% to a current range of 7.45% to 9.30%, and other vehicle loans decreasing from up to 11.30% to now 6.95% to 9.80%. Members seeking affordability should consider new auto loans for the lowest rates or explore motorcycle financing amid notable recent rate improvements. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html,
CALIFORNIA COAST CREDIT UNION
As of October 3, 2025, new auto loan rates at California Coast have decreased notably, now ranging from 3.98% to 7.93% APR, down from 4.28% to 8.23% over the past 15 days. Motorcycle and recreational loan rates remain steady between 6.88% and 8.38% APR. The most affordable option is the new auto loan, offering members lower entry rates than a month ago. Consider longer terms for reduced monthly payments, especially with current competitive rates on new autos. For more details, visit https://www.calcoastcu.org/auto-loans-rates/.
KEESLER FEDERAL CREDIT UNION
As of October 3, 2025, KEESLER’s new auto loan rates remain steady at 3.99% to 8.49% APR, showing a notable tightening from last month’s upper bound of 7.39% to today’s wider range. Motorcycle loan rates hold firm between 6.49% and 8.49% APR, unchanged over the past month. Recreational loans also maintain stability, with rates ranging from 5.74% to 9.24% APR for the past 30 days. For members seeking affordability, the new auto loan offers the lowest starting rate at 3.99% APR. Consider longer terms for manageable monthly payments and potential rate flexibility. For more details, visit https://www.kfcu.org/auto-loans/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of October 3, 2025, UNIVERSITY OF KENTUCKY’s new vehicle loan rates remain steady with no changes in the past 30 days. The new auto loan APR ranges from 3.99% to 6.49%, offering the most affordable financing option for members. Motorcycle loans hold firm at 7.74%, while other vehicle loans range between 6.99% and 8.24%. Members seeking lower monthly payments should consider longer-term auto loan options within these competitive rates. For more details, visit https://www.ukfcu.org/borrow/rates#auto.
CONSUMERS CREDIT UNION
As of October 3, 2025, CONSUMERS’ new auto loan rates remain steady between 3.99% and 6.44% APR, showing no change over the past 30 days. This consistency offers members reliable access to competitive financing for new vehicles. For those prioritizing affordability, the lowest rate at 3.99% APR represents a valuable option. Consider checking longer loan terms if you want to manage monthly payments effectively while maintaining these stable rates. For more details, visit https://www.myconsumers.org/rates.
LendMesh
That new car smell? It pairs best with a smart loan. LendMesh helps you avoid overpaying by showing vehicle loan options side-by-side—so you can find a deal that’s just as satisfying as your new ride. Compare now at https://www.lendmesh.com/loans/vehicle_loans and enjoy the journey ahead.
Conclusion
If you’re considering a new set of wheels or refinancing your current loan, now is a great time to act, especially if you qualify for those standout low rates like VYSTAR’s 2.94%. Exploring multiple credit unions could uncover hidden gems tailored to your financial situation, from ultra-low fixed rates to flexible terms on motorcycles and RVs. Keep monitoring weekly updates since even small shifts in APR can save you hundreds over your loan term. If your current loan is above today’s average, refinancing might be a smart move to reduce monthly payments or shorten your payoff timeline. For families planning bigger purchases or first-time buyers, leaning into credit union offers often means personalized service and competitive pricing not found at traditional lenders. Staying informed and ready to jump when conditions are right puts you in the driver’s seat, literally and financially!