Introduction
On September 11, 2026, savvy vehicle shoppers can take advantage of some standout financing offers across credit unions. The lowest auto loan APR sits impressively at 2.64% with Baxter Credit Union, making it a top choice for anyone looking to finance a car with competitive rates. Motorcycle buyers will find attractive deals too, with United offering rates as low as 4.70%. Recreational vehicle loans remain steady, highlighted by American Airlines’ range starting at 5.59%. Notably, most credit unions have maintained consistent rates over the past month, signaling stable borrowing costs. For families and enthusiasts alike, this stability means it's a good time to lock in financing without worrying about sudden rate hikes. Whether you’re eyeing a new set of wheels or upgrading your ride, these current rates offer excellent opportunities to save money on your next vehicle purchase.
New - Vehicle Loans
| Lender | Product | 2026-09-11 Current | 2026-09-04 7 Days Ago | 2026-08-27 15 Days Ago | 2026-08-12 30 Days Ago | 2026-07-28 45 Days Ago | 2026-07-13 60 Days Ago | 2026-06-13 90 Days Ago | 2026-03-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BAXTER CREDIT UNIONLOWEST | Auto | 2.64 - 6.19% | 2.64 - 6.19% | 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 - 5.40% | 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% |
| 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% |
| 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% |
| SUNMARK CREDIT UNION | Auto | 3.74 - 5.49% | 3.74 - 5.49% | 3.74 - 5.49% | 4.49 - 4.74% | 4.49 - 4.74% | 4.49 - 4.74% | 4.49 - 10.24% | 4.24 - 10.24% |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 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% | 5.25 - 6.50% | 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 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 |
| 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% | 6.99 - 8.74% | 6.99 - 8.24% | N/A | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | N/A | N/A |
| SUNMARK CREDIT UNION | Recreational | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | 8.24 - 10.24% | N/A | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | 8.24% | 8.24% | 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 11, 2026, BAXTER's new auto loan APR ranges from 2.64% to 6.19%, unchanged from one week ago. This reflects a slight improvement compared to 15 and 30 days ago when rates started at 3.39%. The lower starting APR offers members an affordable financing option for new vehicles. Consider shorter-term loans if you want to secure these competitive rates while managing monthly payments effectively. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNITED CREDIT UNION
As of September 11, 2026, UNITED’s new vehicle loan rates remain steady across all products with no changes over the past 30 days. New Auto loans offer the most competitive rates, ranging from 2.99% to 4.95% APR, providing strong value for members seeking affordable financing. Motorcycle loans hold steady at 4.70% to 5.95% APR, while Recreational loans remain higher at 6.25% to 6.75% APR. Members prioritizing lower payments should consider longer-term Auto loan options to maximize affordability. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 11, 2026, new auto loan rates at POLISH & SLAVIC remain steady between 2.99% and 5.99% APR, showing no change over the past 30 days. The motorcycle loan rate holds firm at 7.00% APR with no fluctuations during this period. For members seeking the most affordable financing, new auto loans offer competitive rates that have remained stable. Consider reviewing longer-term loan options to potentially lower monthly payments while maintaining these consistent rates. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
As of September 11, 2026, TYNDALL’s new auto loan rates remain steady, holding at 3.24% to 5.69% APR over the past 30 days with no rate changes observed. This stability offers members predictable financing costs when purchasing a new vehicle. For those seeking affordable options, the lower end of the range provides competitive borrowing costs. Consider longer-term loans to manage monthly payments effectively without rate increases. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 11, 2026, AMERICAN AIRLINES credit union’s new vehicle loan rates remain stable with no changes over the past 30 days. New auto loans hold a competitive APR range of 3.34% to 4.09%, providing affordable financing options for members seeking new cars. Recreational vehicle loans maintain higher rates between 5.59% and 6.34%, reflecting the specialized nature of these products. Members looking to manage monthly payments should consider longer loan terms within these rate ranges for better cash flow control. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of September 11, 2026, PENTAGON's new auto loan rates remain steady, holding between 3.39% and 5.74% APR with no changes over the past 30 days. This consistency offers members predictable financing costs for new vehicles. To optimize affordability, consider loan terms that balance rate and monthly payment according to your budget. For detailed rate options and terms, visit https://www.penfed.org/auto#navRates,
SHELL FEDERAL CREDIT UNION
As of September 11, 2026, SHELL’s new auto loan rates remain steady, with APRs ranging from 3.49% to 18.00%, unchanged over the past 30 days. This consistency provides members with predictable financing options. The most affordable rates start at 3.49% APR, making new vehicle financing accessible for qualified borrowers. Consider longer-term loans to manage monthly payments while securing competitive fixed rates. For more details, visit https://www.shellfcu.org/Products/AutoLoans,
DADE COUNTY FEDERAL CREDIT UNION
As of September 11, 2026, DADE COUNTY’s new vehicle loan rates remain stable across all categories, with no changes over the past 30 days. The most affordable option continues to be the Auto loan at 3.49% to 6.69% APR, ideal for members seeking competitive financing on new cars. Motorcycle loans range from 4.00% to 5.00% APR, while Recreational loans hold steady between 4.75% and 5.75% APR. For higher-rate needs, the Other vehicle loans offer rates from 6.75% to 8.00% APR. Members should consider longer terms to reduce monthly payments without rate increases. For more details, visit https://www.dcfcu.org/loan-rates.
SUNMARK CREDIT UNION
As of September 11, 2026, SUNMARK’s new auto loan rates remain steady between 3.74% and 5.49% APR, holding firm over the past 15 days but showing a slight increase compared to 30 days ago. The recreational vehicle loan rates have also stayed consistent at 8.24% to 10.24% APR for the past month. For members seeking affordability, the new auto loan offers the most competitive rates. To manage monthly payments effectively, consider checking longer-term loan options available through SUNMARK. For more details, visit https://www.sunmark.org/index.php/current-rates.
INDIANA MEMBERS CREDIT UNION
As of September 11, 2026, new vehicle loan rates at INDIANA MEMBERS remain stable across all products compared to the past 30 days. New Auto loans continue to offer competitive rates from 3.74% to 6.74% APR, providing affordable options for most buyers. Motorcycle loans hold steady at 8.24% APR, while Recreational loans range between 6.99% and 8.74% APR without change. Members seeking cost-effective financing should consider the new auto loan range for lower APRs or explore longer terms to reduce monthly payments. For more details, visit https://www.imcu.com/lending-rates,
LendMesh
A better car doesn’t have to mean a worse budget. LendMesh helps you find vehicle loans with low rates and fair terms—so you can upgrade your ride without the financial stress. Compare lender offers in real time at https://www.lendmesh.com/loans/vehicle_loans and take the wheel with confidence.
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Conclusion
Looking ahead, consider locking in these favorable APRs sooner rather than later, especially if you’re planning to buy or refinance an auto loan with Baxter’s ultra-low 2.64% rate or United’s motorcycle financing options. If your current loan carries a higher interest rate, refinancing now could significantly lower your monthly payments and overall costs. For recreational vehicle buyers, keep an eye on credit unions like American Airlines and United for competitive offers that might fit your budget better than dealer financing. Finally, stay flexible, rates have been stable but can shift with market changes, so regularly checking credit union offers can help you spot the best deals when you’re ready to make your move. Smart timing and choosing the right lender are key to driving off with the best financial deal possible.