Credit union · NCUA insured
Pioneer Valley Credit Union Auto Loan Rates
Pioneer Valley Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How Pioneer Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MA, where Pioneer Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Pioneer Valley Credit Union
4.99%APR
- Terms
- up to 60 months
Vehicle Loan
Lowest rate
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
Pioneer Valley Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pioneer Valley 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.
Motorcycle Loan
Minimum loan amount $5,000 with 10% down payment plus GAP, warranty and sales tax. Value based on NADA retail value or MSRP. Rates as low as stated APR based on creditworthiness and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.99% | Estimated 36-month monthly payment of $30.88 per $1,000 borrowed. 10% down payment required. |
| up to 48 months | 7.50% | 10% down payment required. |
| up to 60 months | 8.00% | 10% down payment required. |
| up to 72 months | 8.50% | 10% down payment required. |
| up to 84 months | 9.00% | 10% down payment required. |
| 96–120 months | 9.50% | 10% down payment required. |
Sources (1)
- pvcu.org/Rates/Loan-Rates · captured Oct 5, 2026
Vehicle Loan
Rates as low as stated APR are based on creditworthiness, loan term, and vehicle age/type; not all applicants will qualify. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Rate is for terms up to and including 36 months with estimated 36-month monthly payment of $29.52 per $1,000 borrowed. |
| up to 48 months | 4.99% | — |
| up to 60 months | 4.99% | — |
| up to 66 months | 5.49% | — |
| up to 72 months | 5.99% | — |
| up to 78 months | 6.49% | — |
| up to 84 months | 6.99% | — |
Who can join Pioneer Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.