The Orion Federal Credit Union is a auto loan from Orion Federal Credit Union. The ongoing APR is As Low As 3.95% APR. Rates effective as of today's date and are subject to change without notice. Approved rates are fixed at consummation. Advertised rate includes .25% discount for a loan-to-value of 90% or less. Rates based on creditworthiness and loan term.. Loan terms: Flexible loan terms up to 84 months.