(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)
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Loan Rates
As of February 26, 2026
Loan Rates
New and Used Vehicles / Motorcycles
| Term | *APR As Low As For New Models 2026-2022 | *APR As Low As For Used Models 2021-2017 |
| 36 Months | 3.99% | 4.99% |
| 48 Months | 4.24% | 5.24% |
| 60 Months | 4.74% | 5.74% |
| 72 Months | 5.24% | 6.24% |
| 84 Months | 6.24% | 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 Months | 6.25% |
| 60 Months | 7.25% |
| 72 Months | 7.50% |
| 84 Months | 7.75% |
| 120 Months | 8.25% |
| 180 Months | 8.75% |
Personal Loans
10% security required on all C. D & E paper. Maximum loan amount determined by credit score.
| Term | *APR As Low As |
| 24 Months | 8.75% |
| 36 Months | 9.25% |
| 48 Months | 9.75% |
| 60 Months | 10.25% |
Share Secured Loans
| A+ to E paper | 3.15% |
Visa Reward Credit Card
| Rates and limits are based on Credit Score | 10.20% |
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% LTV | Call credit union for current rates |