WNY FEDERAL CREDIT UNION

Loan Rates

As of November 1, 2024

Loan Type	Term	Rate(as low as) ²	APR (as low as) ^1,2
Personal & Bill Consolidation Loans	up to 48 months	10.95%	10.95%
Auto/Motorcycle Loans	24 months	5.00%	5.00%
–	36 months	5.00%	5.00%
–	48 months	5.25%	5.25%
–	60 months	5.75%	5.75%
–	72 months³	6.25%	6.25%
–	84 months³	7.25%	7.25%
Boat/RV Loans⁵	36 months	6.00%	6.00%
–	48 months	6.25%	6.25%
–	60 months	6.75%	6.75%
–	72 months	7.25%	7.255%
–	more than 84 months	8.25%	8.25%
Funeral Financing Loans	up to 48 months	10.00%	10.00%
Holiday Loan	12 months	10.00%	10.00%
Fully Share-Secured Loans⁴	up to 15 years	3.10%	–
Visa Rewards Credit Cards	n/a	10.20%	10.20%

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

Effective as of November 1, 2024

VISA Rewards Credit Cards: Special Promotional Balance Transfer Rate 7.99% 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 2018 and newer. Special rates are 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 $80,000 & 80% NADA