Credit union · NCUA insured
Pioneer Federal Credit Union Auto Loan Rates
Top CarrotPioneer Federal Credit Union auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 22, 2026.
How Pioneer Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Boise City, ID, where Pioneer Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pioneer Federal Credit Union
5.64%APR
- Terms
- 49–60 months
Vehicle Loan
Lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
2nd-lowest rate
First Tech Federal Credit Union
4.99%APR
- Terms
- up to 65 months
Pioneer Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pioneer Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Motorcycles
Rate listed is lowest and best rate. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in APR being slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Rate as low as; based on credit history and underwriting criteria. |
| 37–48 months | 4.69% | Rate as low as; based on credit history and underwriting criteria. |
| 49–60 months | 5.89% | Rate as low as; based on credit history and underwriting criteria. |
| 61–72 months | 6.09% | Rate as low as; based on credit history and underwriting criteria. |
| 73–84 months | 6.29% | Rate as low as; based on credit history and underwriting criteria. |
Sources (1)
- pioneerfcu.org/Rates · captured Oct 7, 2026
Vehicle Loan
All loans subject to credit approval. Rates based on credit and underwriting criteria; application fee may apply and will result in APR being slightly higher than advertised rates. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Rate as low as; based on credit approval and underwriting criteria. |
| 37–48 months | 4.44% | Rate as low as; based on credit approval and underwriting criteria. |
| 49–60 months | 5.64% | Rate as low as; based on credit approval and underwriting criteria. |
| 61–72 months | 5.84% | Rate as low as; based on credit approval and underwriting criteria. |
| 73–84 months | 6.04% | Rate as low as; based on credit approval and underwriting criteria. |
Who can join Pioneer Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.