Introduction
As of September 25, 2026, savvy vehicle buyers can take advantage of some exceptionally low auto loan rates, with Baxter Credit Union leading the pack at a stunning 2.89% APR for auto loans. Whether you’re shopping for a car, motorcycle, or recreational vehicle, today’s rates offer great opportunities to save. Notably, United Credit Union’s motorcycle loans hold steady at competitive rates starting at 5.05%, while Polish & Slavic maintains a consistent 7.00% rate for motorcycles. Keep an eye on Baxter’s slight upward shift in their lower auto loan rate from 2.64% fifteen days ago to 2.89% now, a modest but important movement for careful planners. For families and enthusiasts seeking recreational vehicles, American Airlines and United Credit Unions both offer solid options near 6.25%. With such varied choices across credit unions and loan types, now is a smart time to lock in financing that fits your budget and lifestyle.
New - Vehicle Loans
| Lender | Product | 2026-09-25 Current | 2026-09-18 7 Days Ago | 2026-09-10 15 Days Ago | 2026-08-26 30 Days Ago | 2026-08-11 45 Days Ago | 2026-07-27 60 Days Ago | 2026-06-27 90 Days Ago | 2026-03-29 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BAXTER CREDIT UNIONLOWEST | Auto | 2.89 - 6.44% | 2.89 - 6.44% | 2.64 - 6.19% | 3.39 - 5.14% | 3.39 - 5.14% | 3.64 - 5.14% | 3.64 - 5.14% | 3.24 - 6.29% |
| UNITED CREDIT UNION | Auto | 2.99 - 5.30% | 2.99 - 5.30% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 4.95% | 2.99 - 5.40% | 2.99 - 5.00% | 4.45 - 5.55% |
| 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% |
| INDIANA MEMBERS CREDIT UNION | Auto | 3.74 - 6.74% | 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 - 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 - 4.74% | 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 - 5.75% | N/A |
| UNITED CREDIT UNION | Motorcycle | 5.05 - 6.30% | 5.05 - 6.30% | 4.70 - 5.95% | 4.70 - 5.95% | 4.70 - 5.95% | 5.25 - 6.50% | 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 |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Recreational | 6.25% | N/A | N/A | 6.25% | 6.25% | 6.25% | 6.25% | 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% | 6.75 - 8.00% | 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 - 8.74% | 6.99 - 8.74% | N/A | N/A |
| POLISH & SLAVIC FEDERAL CREDIT UNION | Motorcycle | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | N/A |
| INDIANA MEMBERS CREDIT UNION | Motorcycle | 8.24% | 8.24% | 8.24% | 8.24% | 8.24% | 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
For new auto loans at BAXTER, rates remain steady today at 2.89% to 6.44% APR, unchanged from one week ago but up slightly from 15 days ago when the range was 2.64% to 6.19%. Compared to 30 days ago, the lower end of rates improved from 3.39% to 2.89%, offering better affordability for members seeking new vehicles. Consider shorter-term loans if you want to take advantage of these competitive rates and potentially reduce interest costs. For more details, visit https://www.bcu.org/legal/rates?ids=Loans.
UNITED CREDIT UNION
As of September 25, 2026, UNITED’s new auto loan rates remain steady at 2.99% to 5.30% APR, unchanged over the past week but slightly higher than the 4.95% upper range seen 15 and 30 days ago. Motorcycle loan rates increased modestly, now at 5.05% to 6.30%, up from a previous high of 5.95%. Recreational vehicle loans hold firm between 6.25% and 6.75% APR with no recent changes. For members seeking affordability, new auto loans offer the most competitive rates; consider longer terms for lower monthly payments if budget flexibility is a priority. For more details, visit https://www.unitedfcu.com/rates-and-fees/rates/loan-rates.
POLISH & SLAVIC FEDERAL CREDIT UNION
As of September 25, 2026, new vehicle loan rates at POLISH & SLAVIC remain steady. The Auto loan APR holds between 2.99% and 5.99%, unchanged over the past 30 days, offering members consistent affordability on new cars. Motorcycle loans maintain a fixed 7.00% APR, providing predictability for riders. The Recreational loan rate is stable at 6.25%, matching the rate from a month ago. Members seeking lower monthly payments should consider longer terms within these fixed ranges for better budgeting control. For more details, visit https://www.psfcu.com/lending/vehicle-loans/auto-loans.
TYNDALL FEDERAL CREDIT UNION
TYNDALL’s new auto loan rates remain steady at 3.24% to 5.69% APR over the past 30 days, offering consistent affordability for members financing new vehicles. With no rate changes recently, members can confidently explore current terms without concern for rising costs. For those seeking manageable payments, checking longer loan terms could provide additional budget flexibility. This stability supports clear financial planning when purchasing a new vehicle. For more details, visit https://www.tyndall.org/borrow/loans/loan-rates.
AMERICAN AIRLINES FEDERAL CREDIT UNION
As of September 25, 2026, new vehicle loan rates at AMERICAN AIRLINES Credit Union remain stable with Auto loans at 3.34% to 4.09% APR and Recreational loans at 5.59% to 6.34% APR, unchanged over the past 30 days. The Auto loan offers the most affordable financing options for members seeking new vehicles. Consider longer-term loans to reduce monthly payments if cash flow is a priority. For more details, visit https://www.aacreditunion.org/borrowing/loans-auto/.
PENTAGON FEDERAL CREDIT UNION
As of September 25, 2026, PENTAGON’s new auto loan rates remain steady, holding at 3.39% to 5.74% APR over the past 30 days with no changes. 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. Maintaining current rates supports predictable budgeting for new vehicle purchases. For more details, visit https://www.penfed.org/auto#navRates.
DADE COUNTY FEDERAL CREDIT UNION
As of September 25, 2026, DADE COUNTY’s new vehicle loan rates remain steady 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. Motorcycle loans offer competitive rates between 4.00% and 5.00% APR, while Recreational and Other vehicle loans range from 4.75% to 5.75% and 6.75% to 8.00% APR, respectively. Members seeking manageable payments should consider longer-term options within these fixed rate ranges for better budgeting control. For more details, visit https://www.dcfcu.org/loan-rates.
SHELL FEDERAL CREDIT UNION
As of September 25, 2026, SHELL’s new auto loan rates remain steady, ranging from 3.49% to 18.00% APR with no changes over the past 30 days. This stable rate environment benefits members seeking predictable financing costs. For those looking to manage monthly payments effectively, exploring longer-term loan options may provide greater affordability. The consistently low starting APR of 3.49% offers a competitive choice for new vehicle financing. For more details, visit https://www.shellfcu.org/Products/AutoLoans.
INDIANA MEMBERS CREDIT UNION
As of September 25, 2026, INDIANA MEMBERS’ new vehicle loan rates remain steady across all programs. New auto loans hold the most affordable range at 3.74% to 6.74% APR, unchanged over the past 30 days. Motorcycle loans stay fixed at 8.24% APR, while recreational vehicle loans range between 6.99% and 8.74% APR with no recent shifts. Members seeking cost-effective financing should consider new auto loans for the lowest rates; exploring longer terms could also help manage monthly payments effectively. For more details, visit https://www.imcu.com/lending-rates.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 25, 2026, UNITED STATES SENATE's new vehicle loan rates remain steady with no changes over the past 30 days. New Auto loans maintain a competitive APR range of 3.74% to 4.74%, offering members affordable financing options. The Recreational loan APR stays between 5.99% and 9.49%, consistent for the month. Members seeking cost-effective solutions should consider new auto loans for lower rates; exploring loan terms can help manage monthly payments efficiently. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#new-auto-loans.
LendMesh
If your monthly car payment feels too high, it might be time for a better deal. With LendMesh, you can explore refinancing options that lower your rate or shorten your loan term. Keep more money in your pocket—visit https://www.lendmesh.com/loans/vehicle_loans and see what’s possible.
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Conclusion
Looking ahead, consider refinancing your current vehicle loan if your rate exceeds today’s best offers, especially if you financed through a traditional lender rather than a credit union like Baxter or United. For new buyers, monitor any shifts in the lower APR brackets closely, as even small basis point changes can impact monthly payments significantly. Motorcycle and recreational vehicle buyers should explore credit unions like Dade County or American Airlines for specialized financing tailored to their needs. Remember, credit union loans often come with member-friendly terms beyond just competitive rates, think flexibility and personalized service. Whether you’re upgrading your family ride or gearing up for weekend adventures, staying informed on these evolving rates will help you secure the most cost-effective financing solution available.