Credit union · NCUA insured
Pioneer Mutual Federal Credit Union Auto Loan Rates
Pioneer Mutual Federal Credit Union auto loans start at 4.99% APR for a new vehicle. Rates checked October 16, 2026.
How Pioneer Mutual Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Pioneer Mutual Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pioneer Mutual Federal Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Pioneer Mutual Federal Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pioneer Mutual 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.
Auto Loans
Applicant must be a member of our Credit Union. Applicant must not have been delinquent for more than 90 days in loan payments with PMFCU and other creditors in the last 2 years. Interest Rate, number of guarantor requirement, collateral requirement and loan eligibility will be based on Credit Score and loan amount. Flexible terms up to 84 Months. Up to 100% financing may be available. Pioneer can also save you money when you refinance your current loan from another financial institution. No pre-payment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rates starting at 3.99%. Approx. Pmt. (Per $1,000.00): $29.52. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount. |
| up to 60 months | 4.99% | Rates starting at 4.99%. Approx. Pmt. (Per $1,000.00): $18.87. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount. |
| up to 72 months | 4.99% | Rates starting at 4.99%. Approx. Pmt. (Per $1,000.00): $16.10. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount. |
| up to 84 months | 5.99% | Rates starting at 5.99%. Approx. Pmt. (Per $1,000.00): $14.60. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount. |
Sources (1)
- pioneeronline.org/personal/loans/auto-loans · captured Oct 6, 2026
Who can join Pioneer Mutual Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.