Introduction
As of September 18, 2026, savvy car and motorcycle shoppers have some compelling financing options to consider. The lowest auto loan APR sits at an impressive 2.89% at Baxter Credit Union, offering one of the most attractive rates for those looking to finance a new vehicle. Motorcycle enthusiasts should note that United Credit Union presents a competitive range starting at 5.05%, while recreational vehicle buyers can find solid rates beginning around 4.75% with Dade County Credit Union. Over the past month, most credit unions have maintained steady rates, but Baxter’s auto loan rates dipped slightly from 3.39% to 2.89%, a notable improvement worth watching if you’re ready to buy soon. For families and individuals aiming to save on financing costs, now is an excellent time to compare these offers closely, especially since American Airlines Credit Union holds consistent mid-range auto loan APRs between 3.34% and 4.09%, balancing affordability with reliability. Keeping an eye on these shifts can help you lock in a deal that fits your budget and lifestyle.
New - Vehicle Loans
| Lender | Product | 2026-09-18 Current | 2026-09-11 7 Days Ago | 2026-09-03 15 Days Ago | 2026-08-19 30 Days Ago | 2026-08-04 45 Days Ago | 2026-07-20 60 Days Ago | 2026-06-20 90 Days Ago | 2026-03-22 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BAXTER CREDIT UNIONLOWEST | Auto | 2.89 - 6.44%▲ 25 bps | 2.64 - 6.19% | 2.64 - 6.19% | 3.39 - 5.14% | 3.39 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.24 - 6.29% |
| 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% |
| UNITED CREDIT UNION | Auto | 2.99 - 5.30% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.00% | 2.99 - 5.00% | 4.45 - 5.55% |
| 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% | 4.19 - 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% |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | 3.74 - 6.74% | N/A | 3.74 - 6.24% | 3.74 - 6.24% | 3.74 - 5.74% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Auto | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 4.74% | 3.74 - 5.24% | N/A | 4.24 - 5.24% | 4.24 - 5.24% |
| 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% | 4.00 - 5.00% | 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% | 4.75 - 8.00% | N/A |
| UNITED CREDIT UNION | Motorcycle | 5.05 - 6.30%▲ 35 bps | 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 |
| 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% | 5.59 - 6.34% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Recreational | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | 5.99 - 9.49% | N/A | 5.99 - 9.49% | 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% | 6.25 - 6.75% | 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% | N/A | 6.99 - 8.74% | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | N/A | 7.00% | 7.00% | 7.00% | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | 8.24% | 8.24% | N/A | 8.24% | 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 18, 2026, BAXTER’s new auto loan rates range from 2.89% to 6.44% APR, showing a slight increase from 2.64% to 6.19% seven and fifteen days ago. Compared to 30 days prior, the minimum rate rose by 25 bps while the maximum rate increased notably by 130 bps. Members seeking the lowest rates should consider locking in financing promptly before further increases. For those prioritizing manageable payments, exploring longer terms may provide better affordability despite higher rates. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 18, 2026, POLISH & SLAVIC’s new auto loan rates 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, consistent for the last two weeks. Members seeking affordable financing will find value in the stable low-end auto loan rates. For those prioritizing predictable payments, exploring longer-term loan options could help manage monthly costs effectively. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
UNITED CREDIT UNION
As of September 18, 2026, UNITED’s new auto loan rates remain steady at 2.99% to 5.30% APR, with the upper range increasing slightly from 4.95% a week ago. Motorcycle loan rates rose by about 35 basis points on both ends, now ranging from 5.05% to 6.30%. Recreational vehicle loan rates held firm between 6.25% and 6.75% APR over the past month. For members seeking affordability, new auto loans offer the lowest starting rates. Consider longer-term options to reduce monthly payments without significantly impacting your APR. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates,
TYNDALL FEDERAL CREDIT UNION
As of September 18, 2026, TYNDALL’s new auto loan rates remain stable, holding steady at 3.24% to 5.69% APR over the past 30 days. This consistent rate range offers members predictable financing costs for new vehicles. For those prioritizing affordability, the lower end of this spectrum provides competitive borrowing options. Consider exploring longer loan terms if you want to reduce monthly payments while maintaining these rates. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 18, 2026, new auto loan rates at AMERICAN AIRLINES Credit Union remain steady between 3.34% and 4.09% APR, showing no change over the past 30 days. Similarly, new recreational vehicle loans hold firm at 5.59% to 6.34% APR with no recent fluctuations. For members seeking the most affordable financing, new auto loans offer the lowest rates currently available. Consider exploring longer-term options if you prefer smaller monthly payments while maintaining these competitive rates. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of September 18, 2026, PENTAGON’s new auto loan rates remain steady at 3.39% to 5.74% APR, showing no change over the past 30 days. This consistent rate range offers members reliable financing options for new vehicles. For those seeking affordability, the lowest APR of 3.39% provides competitive value in today’s market. Members considering purchase timing can benefit from this stability, while exploring longer-term loans may help manage monthly payments effectively. For more details, visit https://www.penfed.org/auto#navRates,
DADE COUNTY FEDERAL CREDIT UNION
As of September 18, 2026, DADE COUNTY's new vehicle loan rates remain steady with no changes over the past 30 days. The most affordable option is the New Auto Loan at 3.49% to 6.69% APR, offering competitive financing for members. Motorcycle loans hold a consistent range of 4.00% to 5.00% APR, while Recreational loans range from 4.75% to 5.75% APR. The highest rates apply to the Other vehicle loan category at 6.75% to 8.00% APR. For members seeking cost-effective financing, consider focusing on lower APRs or exploring longer-term loan options to reduce monthly payments. For more details, visit https://www.dcfcu.org/loan-rates,
SHELL FEDERAL CREDIT UNION
As of September 18, 2026, new auto loan rates at SHELL remain steady, ranging from 3.49% to 18.00% APR with no changes over the past 30 days. This stability provides members consistent access to affordable financing for new vehicles. For members seeking the lowest rates, the 3.49% APR on new auto loans offers competitive value. Consider longer-term loan options if you want to manage monthly payments effectively while maintaining predictable costs. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INDIANA MEMBERS CREDIT UNION
As of September 18, 2026, INDIANA MEMBERS' new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans offer the most affordable APR range at 3.74% to 6.74%, making them a cost-effective choice for financing new vehicles. Recreational loans hold steady between 6.99% and 8.74%, while Motorcycle loans are fixed at 8.24%. For members seeking manageable payments, consider longer-term options within these stable rates to optimize affordability. For more details, visit https://www.imcu.com/lending-rates.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 18, 2026, new vehicle loan rates at UNITED STATES SENATE remain steady with no changes in the past 30 days. The Auto loan APR holds between 3.74% and 4.74%, offering a competitive option for members seeking affordable financing. Recreational vehicle loans range from 5.99% to 9.49% APR, unchanged over the last month. For members prioritizing lower rates, the new Auto loan provides the most cost-effective choice. Consider longer-term loans to reduce monthly payments while maintaining stable rates. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
LendMesh
Thinking about a motorcycle, boat, or recreational vehicle? LendMesh has loan options beyond just cars. We connect you to lenders offering competitive rates on a range of vehicle types. Ready to roll? Check out your options at https://www.lendmesh.com/loans/vehicle_loans .
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Conclusion
Looking ahead, consider refinancing your current vehicle loan if your rate exceeds today’s top offers, especially with Baxter and United showing sub-3% APRs on autos. If you’re planning to purchase a motorcycle or RV, explore the specialized loans at Dade County or United Credit Unions for competitive terms tailored to your ride. While rates have been mostly stable, staying informed about monthly trends can give you leverage when negotiating financing or timing your purchase. Don’t overlook credit unions like American Airlines and Pentagon for steady mid-tier options that may come with additional member benefits. Ultimately, taking proactive steps now, whether locking in a low rate or preparing to refinance, can save you hundreds over the life of your loan and make your next vehicle purchase more affordable and enjoyable.