(716) 771-5000 Routing #: 222382739 1937 Union Road, West Seneca, NY 14224 M – F: 8:30 AM – 5 PM. Sat: 9am-12pm (Drive Thru Only) Like Us on Facebook 24 Hour Debit Card Services 1-833-574-3422

Loan Rates

As of December 16, 2025

Loan Rates

New and Used Vehicles / Motorcycles

Term*APR As Low As For New Models 2025-2021*APR As Low As For Used Models 2020-2016
36 Months3.99%4.99%
48 Months4.24%5.24%
60 Months4.74%5.74%
72 Months5.24%6.24%
84 Months6.24%N/A

RV/Boat/ATV/Tractor

Max term is 15 years 180) months, max loan amount is $80.000 & 80% NADA.

Term*APR As Low As
36 Months6.25%
60 Months7.25%
72 Months7.50%
84 Months7.75%
120 Months8.25%
180 Months8.75%

Personal Loans

10% security required on all C. D & E paper. Maximum loan amount determined by credit score.

Term*APR As Low As
24 Months8.75%
36 Months9.25%
48 Months9.75%
60 Months10.25%

Share Secured Loans

A+ to E paper3.15%

Visa Reward Credit Card

Rates and limits are based on Credit Score10.20%

Special Promotional Balance Transfer Rate 7.99% APR. No balance transfer fee. The promotional rate remains fixed until the transferred balance is fully paid off. See CU for details. Non-variable rate, no annual fee.

Home Equity Line of Credit

85% LTVCall credit union for current rates