JustAutoRates

Current New Car Loan Rates

Checked weeklyUpdated

Published new-vehicle APRs from credit unions and banks, straight from each lender’s own site.

Lowest match

3.09%

buying service dealer only

Avg credit union

5.19%

▼ 0.87 pts below banks

Lowest rates this week

Top 4 of 228 rates

See all rates ↓
buying service dealer only

3.09%NewTerm not listed

BCU (Baxter Credit Union)

IL

The source does not assign this APR to a term.

What the lender published

Auto Buying Service rate, 2025 and newer models; APR as low as when buying through BCU's auto buying service. Term not listed.

Checked Nov 11, 2026Source bcu.org

TrueCar dealer only

3.39%New36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

promo ratewith bundled discounts

3.99%NewUp to 36 months

First Community Credit Union (Houston)

TX

Published as Up to 36 months, not as a single monthly term.

What the lender published

36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.

Checked Nov 11, 2026Source fccu.org

Standard rate

3.99%NewUp to 63 months

Great Lakes Credit Union

IL

Published as Up to 63 months, not as a single monthly term.

What the lender published

APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.

Checked Nov 11, 2026Source glcu.org

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228 rates from 81 lenders · New · Sorted by lowest APR

Showing 25 of 228 rates

buying service dealer only

3.09%NewTerm not listed

BCU (Baxter Credit Union)

IL

The source does not assign this APR to a term.

What the lender published

Auto Buying Service rate, 2025 and newer models; APR as low as when buying through BCU's auto buying service. Term not listed.

Checked Nov 11, 2026Source bcu.org

airline industry members only

3.34%NewUp to 36 months

American Airlines Federal Credit Union

Nationwide

Published as Up to 36 months, not as a single monthly term.

What the lender published

APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 36 months.

Checked Nov 11, 2026Source aacreditunion.org

TrueCar dealer only

3.39%New36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

TrueCar dealer only

3.79%New48 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

TrueCar dealer only

3.84%New60 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

Standard rate

3.84%NewUp to 36 months

BCU (Baxter Credit Union)

IL

Published as Up to 36 months, not as a single monthly term.

What the lender published

APR as low as, 2025 and newer models. Advertised as 0-36 months.

Checked Nov 11, 2026Source bcu.org

promo ratewith bundled discounts

3.99%NewUp to 36 months

First Community Credit Union (Houston)

TX

Published as Up to 36 months, not as a single monthly term.

What the lender published

36-month special rate; same rate for new, used and refinance. Lowest rate includes up to 1.00% in combined discounts (credit life and disability insurance, extended service contract, existing FCCU auto loan, First Rewards Checking, FCCU Visa card). Advertised as up to 36 months.

Checked Nov 11, 2026Source fccu.org

Standard rate

3.99%NewUp to 63 months

Great Lakes Credit Union

IL

Published as Up to 63 months, not as a single monthly term.

What the lender published

APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as up to 63 months.

Checked Nov 11, 2026Source glcu.org

airline industry members only

4.09%NewUp to 60 months

American Airlines Federal Credit Union

Nationwide

Published as Up to 60 months, not as a single monthly term.

What the lender published

APR as low as; based on collateral, term, down payment and creditworthiness. Rates effective September 18, 2026. Separate qualifying discounts of up to 0.90% may lower the rate further. Advertised as up to 60 months.

Checked Nov 11, 2026Source aacreditunion.org

military and families only

4.19%New12–36 months

Navy Federal Credit Union

Nationwide

Published as 12–36 months, not as its own 36-month price.

What the lender published

As low as; excellent credit assumed. Rates as of Nov 10, 2026 ET. New vehicles: 2025 and newer with under 7,500 miles, or 7,500-30,000 miles (late-model used). Terms over 84 months only for vehicles under 7,500 miles. Advertised as 12-36 months.

Checked Nov 10, 2026Source navyfederal.org

Standard rate

4.19%New36 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

with bundled discounts

4.24%NewUp to 48 months

First Community Credit Union (Houston)

TX

Published as Up to 48 months, not as a single monthly term.

What the lender published

Rate valid up to 48 months; lowest rate includes up to 1.00% in combined discounts (insurance, service contract, existing auto loan, checking, Visa card). Advertised as up to 48 months.

Checked Nov 11, 2026Source fccu.org

utility employees and families only

4.24%NewUp to 36 months

Utilities Employees Credit Union (UECU)

PA

Published as Up to 36 months, not as a single monthly term.

What the lender published

2022 and newer models (new or used). APR as low as. Rates effective 10/16/2026. Advertised as up to 36 months.

Checked Nov 11, 2026Source uecu.org

Standard rate

4.24%New64–75 months

Great Lakes Credit Union

IL

Published as 64–75 months, not as its own 75-month price.

What the lender published

APR as low as for the site's default location; same rate for new/previous model year (2025-2026) and used (2016-2024). Effective 11/11/2026. Advertised as 64-75 months.

Checked Nov 11, 2026Source glcu.org

Standard rate

4.34%New37–75 months

BCU (Baxter Credit Union)

IL

Published as 37–75 months, not as its own 75-month price.

What the lender published

APR as low as, 2025 and newer models. Advertised as 37-75 months.

Checked Nov 11, 2026Source bcu.org

Standard rate

4.39%New48 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

Standard rate

4.44%New60 months

PenFed Credit Union

Nationwide

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term.

Checked Nov 10, 2026Source penfed.org

Standard rate

4.49%New36 months

Andrews Federal Credit Union

Nationwide

Minimum loan $5,000.

What the lender published

As low as APR. A new vehicle is an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles, and you are the original owner. Minimum loan $5,000; maximum $150,000. Vehicles more than 10 model years old are not eligible. Existing Andrews Federal auto loans are not eligible for refinance at these rates unless borrowing an additional $5,000 or more.

Checked Nov 10, 2026Source andrewsfcu.org

promo ratetop credit tier

4.49%NewUp to 60 months

Randolph-Brooks Federal Credit Union (RBFCU)

TX

Published as Up to 60 months, not as a single monthly term.

What the lender published

Go Beyond: Member Giveback limited-time rate through Dec. 31, 2026, for well-qualified borrowers; new, used and refinance. Advertised as up to 60 months.

Checked Nov 11, 2026Source rbfcu.org

top credit tier

4.49%NewUp to 48 months

University Federal Credit Union (UFCU)

TX

Published as Up to 48 months, not as a single monthly term.

What the lender published

Excellent credit tier rate (published tiers run to 16.75% for low/no score). Add 0.50% APR for vehicles more than 3 years old. Advertised as up to 48 months.

Checked Nov 11, 2026Source ufcu.org

buying service dealer onlywith autopay

4.49%NewUp to 60 months

Consumers Credit Union (Illinois)

IL

Published as Up to 60 months, not as a single monthly term.

The published figure may include an autopay, direct-deposit, or relationship discount.

What the lender published

Includes a 0.50% discount for buying at a certified dealer through CCU's Car Buying Service; assumes automatic payment. 2025 and newer models. Rates effective October 12, 2026. Advertised as 0-60 months.

Checked Nov 11, 2026Source myconsumers.org

Standard rate

4.49%NewTerm not listed

NuMark Credit Union

IL

The source does not assign this APR to a term.

What the lender published

New and used auto & truck APR as low as; based on creditworthiness and vehicle age. The payment example uses 36 months, but the rate is not tied to a term.

Checked Nov 11, 2026Source numarkcu.org

TrueCar dealer only

4.54%New72 months

PenFed Credit Union

Nationwide

Minimum loan $15,000.

What the lender published

As low as; advertised APR is the lowest available. Rates and offers current as of November 1, 2026. New vehicles: you are the original owner and the untitled vehicle is model year 2025 or newer with less than 7,501 miles. Up to 125% financing is available in the U.S., Puerto Rico and Virgin Islands. Rates quoted assume excellent borrower credit history. Rate depends on term. Minimum loan amount is $15,000 for 61-72 month term. PenFed Car Buying Service discounted rate through PenFed's partnership with TrueCar; the page states the service is available in all 50 states.

Checked Nov 10, 2026Source penfed.org

Show all 228 rates

The weekly five

Five lowest published rows, one line each, linked back through the site.