Introduction
If you’re shopping for a vehicle today, September 4, 2026, there are some standout financing deals worth your attention. BAXTER Credit Union offers the lowest auto loan APR starting at just 2.64%, making it a top pick for budget-conscious car buyers. Motorcycle enthusiasts can find competitive rates too, with DADE COUNTY offering as low as 4.00% and UNITED holding steady at 4.70%. Recreational vehicle financing is more varied but still accessible, with AMERICAN AIRLINES presenting rates from 5.59% and UNITED’s recreational loans starting at 6.25%. Notably, most credit unions have maintained stable rates over the past month, except for BAXTER’s auto program, which dropped significantly, nearly 75 basis points compared to last week, giving buyers an excellent opportunity to lock in a lower payment. Whether you’re hunting for your next family car or gearing up for weekend adventures on a bike or RV, now’s a smart time to explore credit union loans that combine great rates with flexible terms.
New - Vehicle Loans
| Lender | Product | 2026-09-04 Current | 2026-08-28 7 Days Ago | 2026-08-20 15 Days Ago | 2026-08-05 30 Days Ago | 2026-07-21 45 Days Ago | 2026-07-06 60 Days Ago | 2026-06-06 90 Days Ago | 2026-03-08 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BAXTER CREDIT UNIONLOWEST | Auto | 2.64 - 6.19%▼ 75 bps | 3.39 - 5.14% | 3.39 - 5.14% | 3.39 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.64 - 5.64% | 3.24 - 6.29% |
| UNITED CREDIT UNION | Auto | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 2.99 - 5.50% | 5.20 - 6.30% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Auto | 2.99 - 5.99% | 2.99 - 5.99% | 2.99 - 5.99% | 2.99 - 5.99% | 2.99 - 5.99% | 2.99 - 5.99% | 2.99 - 5.99% | 3.50 - 5.99% |
| TYNDALL FEDERAL CREDIT UNION | Auto | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% | 3.24 - 5.69% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Auto | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.34 - 4.09% | 3.74 - 4.49% |
| PENTAGON FEDERAL CREDIT UNION | Auto | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% | 3.39 - 5.74% |
| DADE COUNTY FEDERAL CREDIT UNION | Auto | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% | 3.49 - 6.69% |
| SHELL FEDERAL CREDIT UNION | Auto | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% | 3.49 - 18.00% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Auto | 3.74 - 4.74% | N/A | 3.74 - 4.74% | 3.74 - 5.24% | N/A | 4.24 - 5.24% | 4.24 - 5.24% | 4.24 - 5.24% |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | N/A | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 5.74% |
| DADE COUNTY FEDERAL CREDIT UNION | Motorcycle | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | 4.00 - 5.00% | N/A | N/A |
| UNITED CREDIT UNION | Motorcycle | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 4.75 - 6.00% | 4.75 - 6.00% | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Recreational | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | 4.75 - 5.75% | N/A | N/A |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | Recreational | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | 5.59 - 6.34% | N/A | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Recreational | 5.99 - 9.49% | N/A | 5.99 - 9.49% | 5.99 - 9.49% | N/A | 5.99 - 9.49% | N/A | N/A |
| UNITED CREDIT UNION | Recreational | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | 6.25 - 6.75% | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | 6.25% | N/A | 6.25% | 6.25% | 6.25% | N/A | N/A |
| DADE COUNTY FEDERAL CREDIT UNION | Other | 6.75 - 8.00% | 6.75 - 8.00% | 6.75 - 8.00% | 6.75 - 8.00% | 6.75 - 8.00% | 6.75 - 8.00% | N/A | N/A |
| INDIANA MEMBERS CREDIT UNION | Recreational | 6.99 - 8.74% | 6.99 - 8.74% | 6.99 - 8.74% | N/A | 6.99 - 8.74% | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | N/A | 7.00% | 7.00% | 7.00% | N/A | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | 8.24% | N/A | 8.24% | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
BAXTER CREDIT UNION
As of September 4, 2026, BAXTER’s new auto loan rates have shifted notably, with the APR range now at 2.64% to 6.19%, down from a previous low of 3.39% seven days ago. This represents a significant improvement in affordability on the lower end, offering members more competitive financing options for new vehicles. For those seeking cost-effective borrowing, the lowest rates under 3% present strong value. Members considering longer terms should evaluate these updated rates closely to optimize monthly payments and total interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNITED CREDIT UNION
As of September 4, 2026, UNITED's new vehicle loan rates remain steady across all products. New Auto loans continue to offer the most affordable rates at 2.99% to 4.95% APR, unchanged over the past 30 days. Motorcycle loans hold firm between 4.70% and 5.95% APR, while Recreational vehicle loans stay at 6.25% to 6.75% APR. Members seeking cost-effective financing should consider new auto loans for lower APRs; reviewing term lengths may help balance monthly payments and total interest paid. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 4, 2026, new vehicle loan rates at POLISH & SLAVIC remain stable with no changes over the past 30 days. New Auto loans offer competitive rates from 2.99% to 5.99% APR, providing affordable financing options for members. The Motorcycle loan rate is steady at 7.00% APR, while Recreational loans hold firm at 6.25% APR. For members seeking value, the new auto loan’s low starting rate is the most cost-effective option. Consider longer-term loans to manage monthly payments effectively. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
As of September 4, 2026, TYNDALL's new auto loan rates remain steady at 3.24% to 5.69% APR, with no changes over the past 30 days. This consistency offers members predictable financing costs for new vehicles. For those seeking affordability, the lowest rates at 3.24% APR provide competitive options. Consider exploring longer-term loans if you prefer lower monthly payments while maintaining these stable rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 4, 2026, AMERICAN AIRLINES credit union’s new vehicle loan rates remain steady with no changes over the past 30 days. The new auto loan APRs range from 3.34% to 4.09%, offering competitive financing for members seeking affordable monthly payments. For those interested in recreational vehicles, rates hold at 5.59% to 6.34%, consistent with previous weeks. Members looking to maximize value should consider the auto loan option for lower APRs. Review loan terms carefully to align financing with your budget and vehicle needs. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of September 4, 2026, PENTAGON’s new auto loan rates remain steady, holding at 3.39% to 5.74% APR with no changes over the past 30 days. This stability provides members predictable financing costs for new vehicles. For those seeking affordable financing, the lower end of this range offers competitive rates. Consider exploring longer-term loans to reduce monthly payments if cash flow is a priority. For more details, visit https://www.penfed.org/auto#navRates.
DADE COUNTY FEDERAL CREDIT UNION
As of September 4, 2026, DADE COUNTY’s new vehicle loan rates remain stable with no changes over the past 30 days. The most affordable option continues to be the New Auto Loan, ranging from 3.49% to 6.69% APR. For members interested in recreational vehicles, rates hold steady between 4.75% and 5.75% APR, while motorcycle loans range from 4.00% to 5.00% APR. The highest rates are found in the “Other” category at 6.75% to 8.00% APR. Consider longer-term loans for lower monthly payments if budget flexibility is a priority. For more details, visit https://www.dcfcu.org/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 4, 2026, SHELL's new auto loan rates remain steady, holding at a range of 3.49% to 18.00% APR over the past 30 days. This stability offers consistent affordability for members financing new vehicles. For those seeking lower monthly payments, exploring longer-term loan options may provide additional savings. The competitive low-end rate of 3.49% APR continues to deliver strong value for qualified borrowers. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 4, 2026, UNITED STATES SENATE’s new auto loan rates remain stable at 3.74% to 4.74% APR, unchanged from 15 days ago and slightly improved from 5.24% a month ago. The recreational vehicle loans hold steady between 5.99% and 9.49% APR with no recent changes. Members seeking the most affordable financing should consider the new auto loan product for competitive rates. For manageable payments, explore longer-term options within these rate ranges to optimize your budget. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
INDIANA MEMBERS CREDIT UNION
As of September 4, 2026, new vehicle loan rates at Indiana Members remain stable with no changes over the past 30 days. New auto loans offer competitive APRs from 3.74% to 6.74%, providing the most affordable financing option for members. Motorcycle loans hold steady at 8.24%, while recreational vehicle loans range between 6.99% and 8.74%. Members seeking lower monthly payments should consider longer-term options within these programs to optimize affordability. For more details, visit https://www.imcu.com/lending-rates,
LendMesh
Whether you're buying your first car or upgrading to a family SUV, LendMesh makes vehicle financing simple. We partner with banks and credit unions to give you transparent, competitive loan offers—no hidden surprises. Visit https://www.lendmesh.com/loans/vehicle_loans to explore your options and drive away with peace of mind.
Conclusion
Looking ahead, consider refinancing if your current auto loan rate is above today’s best offers, especially if you financed through higher-rate lenders earlier this year. For new buyers, locking in a competitive APR like BAXTER’s sub-3% auto loans can save hundreds over the life of your loan. If you’re eyeing motorcycles or recreational vehicles, keep an eye on credit unions like DADE COUNTY and AMERICAN AIRLINES for steady mid-single-digit rates that balance affordability with flexibility. Finally, don’t rush, monitor these rates regularly as small shifts can add up. Being proactive about timing and comparing credit union programs will put you in the driver’s seat to get the most value out of your next vehicle purchase or refinance.