(716) 771-5000 | 1937 Union Road, West Seneca, NY 14224-2022

Effective as of February 17, 2021

Loan rates



Loan Type Term Rate(as low as) 2 APR (as low as)  1,2
Personal & Bill Consolidation Loans up to 48 months 8.20% 8.20%
Automobile/Motorcycle Loans  24 months 3.25% 3.25%
36 months 3.50% 3.50%
48 months 3.75% 3.75%
60 months 3.75% 3.75%
72 months 3 4.75% 4.75%
84 months 3 5.75% 5.75%
Boat/RV Loans 5 36 months 4.50% 4.50%
48 months 4.75% 4.75%
60 months 4.75% 4.75%
72 months 5.75% 5.75%
more than 84 months 6.75% 6.75%
Funeral Financing Loans up to 48 months 8.20% 8.20%
Holiday Loan 12 months 8.20% 8.20%
Fully Share-Secured Loans 4 up to 72 months 3.05%
Visa Rewards Credit Cards n/a 8.50% 8.50%

We now offer 0.25% rate reduction on all consumer loans for U.S. Armed Forces Veterans. Thank you for your service.

Visa Rewards Credit Cards: Special Promotional Balance Transfer Rate 7.50% APR. The promotional rate remains fixed until the transferred balance is fully paid off. See CU for details. Non-variable rate, no annual fee.

All loans subject to credit underwriting. Terms and conditions may vary.

  1. APR = Annual Percentage Rate
  2. Rates are as low as and determined by your credit score. Rates are subject to change at any time without notice.
  3. Contact Credit Union for model year restrictions for 72 and 84-month terms. Auto Loan Rates are based on vehicles 2014 and newer. Special rates available on older cars up to 10 years old.
  4. Fully Share-Secured Loans: 72 months maximum term, 100% secured by savings.
  5. Max term is 15 years (180) months, max loan amount is $75,000 & 80% NADA