(716) 771-5000 Routing #: 222382739 1937 Union Road, West Seneca, NY 14224 M – F: 8:30 AM – 5 PM. Sat: Drive Thru 9:00 am- 12:00 pm. Lobby hours by appt only. Like Us on Facebook 24 Hour Debit Card Services 1-833-574-3422


Loan Rates

Loan Rates

As of May 2, 2024

Loan TypeTermRate(as low as) 2APR (as low as)  1,2
Personal & Bill Consolidation Loansup to 48 months10.95%10.95%
Auto/Motorcycle Loans 24 months5.25%5.25%
 –36 months5.25%5.25%
 –48 months5.50%5.50%
 –60 months6.45%6.45%
 –72 months36.75%6.75%
 –84 months37.60%7.60%
Boat/RV Loans536 months6.25%6.25%
 –48 months6.50%6.50%
 –60 months7.45%7.45%
 –72 months7.75%7.75%
 –more than 84 months8.60%8.60%
Funeral Financing Loansup to 48 months10.95%10.95%
Holiday Loan12 months10.95%10.95%
Fully Share-Secured Loans4up to 15 years3.10%
Visa Rewards Credit Cardsn/a10.20%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 May 2, 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 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