Introduction
On October 10, 2025, savvy car shoppers and vehicle enthusiasts have some excellent opportunities to lock in competitive financing. The lowest auto loan APR is an impressive 3.24% at Tyndall Credit Union, holding steady over the past month, a great sign of stability if you’re hunting for a new ride. Motorcycle fans should note that University of Kentucky offers a fixed rate of 7.74%, while Navy Federal Credit Union’s motorcycle rates remain steady between 7.45% and 9.30%. One standout this week is Baxter Credit Union, where the upper range on auto loans nudged slightly higher by about 30 basis points compared to two weeks ago, signaling some movement in lending costs. For families eyeing recreational vehicles, Keesler’s rates start at a reasonable 5.74%, with no recent change. Whether you’re buying your first car or upgrading your family’s wheels, today’s rates suggest it’s a smart time to explore credit union options for flexible terms and potentially lower APRs than traditional lenders.
New - Vehicle Loans
Credit Union
Product
2025-10-10
(Current Day)
(Current Day)
2025-10-03
(7 Days Ago)
(7 Days Ago)
2025-09-25
(15 Days Ago)
(15 Days Ago)
2025-09-10
(30 Days Ago)
(30 Days Ago)
2025-08-26
(45 Days Ago)
(45 Days Ago)
2025-08-11
(60 Days Ago)
(60 Days Ago)
2025-07-12
(90 Days Ago)
(90 Days Ago)
Auto
3.49 - 7.54
3.49 - 7.54
3.49 - 7.24
3.64 - 6.39▲ 15 bps
3.64 - 6.39▲ 15 bps
4.39 - 6.69▲ 90 bps
3.64 - 6.44▲ 15 bps
Auto
3.50 - 5.99
3.50 - 5.99
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
6.59 - 17.79▲ 280 bps
Auto
3.89 - 7.39
3.89 - 7.39
3.89 - 7.59
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
7.45 - 9.30
8.95 - 10.80▲ 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
6.95 - 9.80
8.95 - 11.30▲ 200 bps
8.95 - 11.30▲ 200 bps
8.45 - 10.45▲ 150 bps
Recreational
7.45 - 9.80
7.45 - 9.80
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
3.98 - 7.93
3.98 - 7.93
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 - 7.38
6.88 - 8.38
Recreational
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 8.38
6.88 - 7.38
6.88 - 8.38
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
Recreational
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
5.74 - 9.24
Auto
3.99 - 8.24
4.24 - 8.24▲ 25 bps
4.49 - 8.24▲ 50 bps
4.49 - 8.24▲ 50 bps
4.49 - 5.24▲ 50 bps
4.49 - 5.24▲ 50 bps
4.49 - 8.74▲ 50 bps
TYNDALL FEDERAL CREDIT UNION
As of October 10, 2025, TYNDALL’s new auto loan rates remain steady at 3.24% to 6.74% APR, showing no change over the past 30 days. This consistent rate range offers members reliable financing options for new vehicles. For those prioritizing affordability, the lower end of this range represents competitive borrowing costs. Consider longer-term loans to manage monthly payments more effectively while locking in these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
BAXTER CREDIT UNION
As of October 10, 2025, BAXTER’s new auto loan rates remain steady, holding at 3.49% to 7.54% APR, unchanged from one week ago. Compared to 15 days prior, the upper rate increased by 30 basis points, while the lower rate stayed consistent. Rates are higher than 30 days ago when the range was 3.64% to 6.39%. For members seeking affordability, the current lowest APR of 3.49% offers value for new vehicle financing. Review longer-term loans if aiming to balance monthly payments with interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
For new vehicle financing at POLISH & SLAVIC, Auto loan rates remain steady at 3.50% to 5.99% APR over the past week, holding the recent improvement from 3.95% seen 15 and 30 days ago. This stability offers members consistent access to some of the credit union’s most affordable new auto loan options. Consider longer-term loans for lower monthly payments if budgeting flexibility is a priority. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans,
DELTA COMMUNITY CREDIT UNION
As of October 10, 2025, DELTA COMMUNITY’s new vehicle loan rates remain stable, with Auto loans at 3.79% to 16.09% APR and Other vehicle loans ranging from 3.79% to 17.49% APR over the past 30 days. Members seeking affordability should note the consistent low starting rate of 3.79%. For manageable monthly payments, consider longer-term loan options, which may offer lower rates. Staying informed about these stable rates can help members plan their financing effectively. For more details, visit https://www.deltacommunitycu.com/personal/loans/vehicle-loans/car-loans.html#rates.
NAVY FEDERAL CREDIT UNION
As of October 10, 2025, Navy Federal Credit Union's new auto loan rates remain steady at 3.89% to 7.39% APR, holding firm from 7 and 15 days ago but down from 4.09% to 7.59% thirty days prior, reflecting a modest improvement for borrowers. Similarly, motorcycle and recreational loan rates have stabilized, with motorcycle loans steady at 7.45% to 9.30% and recreational loans at 7.45% to 9.80%, both showing declines compared to last month’s higher ranges. Members seeking the most affordable financing should consider new auto loans for competitive low rates; exploring longer terms may further ease monthly payments. For more details, visit https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html.
CALIFORNIA COAST CREDIT UNION
As of October 10, 2025, new auto loan rates at CALIFORNIA COAST remain steady at 3.98% to 7.93% APR, showing a slight improvement from 15 days ago when rates ranged up to 8.23%. This makes the new auto loan the most affordable option for members seeking competitive financing. Motorcycle and recreational vehicle loans hold steady between 6.88% and 8.38%, with no recent changes. Members may want to consider longer terms to manage monthly payments effectively while locking in these stable rates. For more details, visit https://www.calcoastcu.org/auto-loans-rates/.
UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
As of October 10, 2025, new vehicle loan rates at University of Kentucky remain stable with no changes over the past 30 days. New Auto loans offer competitive APRs ranging from 3.99% to 6.49%, representing the most affordable financing option for members. Motorcycle loans hold steady at 7.74% APR, while the Other vehicle category ranges from 6.99% to 8.24% APR. Members seeking lower monthly payments may want to explore longer-term loan options within these stable rate ranges for better budgeting flexibility. For more details, visit https://www.ukfcu.org/borrow/rates#auto.
KEESLER FEDERAL CREDIT UNION
As of October 10, 2025, KEESLER’s new vehicle loan rates remain stable across all products. The Auto loan APRs hold steady between 3.99% and 8.49%, unchanged from a week ago and down from 9.49% fifteen days prior. Motorcycle loans maintain rates from 6.49% to 8.49%, with no recent fluctuations. Similarly, Recreational loans stay consistent at 5.74% to 9.24% over the past month. Members seeking affordability should consider the Auto loan’s competitive low APR of 3.99% or explore longer terms for manageable payments. For more details, visit https://www.kfcu.org/auto-loans/.
DUPONT COMMUNITY CREDIT UNION
As of October 10, 2025, DUPONT COMMUNITY’s new auto loan rates remain stable, holding steady at 3.99% to 13.39% APR over the past 30 days. The consistent low-end rate of 3.99% offers an affordable financing option for members seeking new vehicles. For those looking to manage monthly payments, consider exploring longer-term loans within this range to optimize affordability. For more details, visit https://www.mydccu.com/loans/auto.
BROADVIEW FEDERAL CREDIT UNION
As of October 10, 2025, BROADVIEW's new auto loan rates have improved at the low end, dropping from 4.49% to 3.99% APR over the past 30 days. The upper rate remains steady at 8.24%. This shift offers members better access to affordable financing for new vehicles. For those seeking manageable payments, consider exploring longer-term loan options, which may provide additional savings. For more details, visit https://www.broadviewfcu.com/personal/vehicle-solutions/.
LendMesh
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Conclusion
Looking ahead, if you’re already financed with higher rates, now might be an ideal moment to consider refinancing your auto loan at credit unions like Tyndall or University of Kentucky to capitalize on their low fixed rates. For those ready to buy new or used vehicles, locking in a rate sooner rather than later could save hundreds over the life of your loan given some creeping upward pressure seen at Baxter and Broadview. Keep an eye on credit union promotions and don’t hesitate to inquire about special programs for motorcycles or recreational vehicles, these often come with tailored terms worth exploring. Ultimately, staying informed and acting decisively will help you secure the best financing deal, so make use of these stable yet competitive credit union rates as your next step toward driving away with confidence.