Credit union · NCUA insured
Amherst Federal Credit Union Auto Loan Rates
Amherst Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Amherst Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Amherst Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Amherst Federal Credit Union
5.49%APR
- Terms
- up to 60 months
- Discount
- None included
Classic Car Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
Amherst Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Amherst Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic Car Loans
Includes model years 2006 and older. Includes motorcycles. Valid for dealer & private sales, and refinancing. Terms up to 60 months. Membership required. Rate reflects 2-year term with A+ paper (TransUnion score 720+). Promotional sale July 1, 2026 through August 31, 2026 includes up to 1.25% APR off.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Advertised 'as low as' rate reflects a 2-year term with A+ paper (TransUnion score of 720+). Includes 1.00% APR sale discount and 0.25% direct deposit and recurring automatic loan transfer discount. Model years 2006 and older. |
Sources (1)
- amherstcu.com/auto · captured Sep 17, 2026
New Auto Loans
Includes model years 2026 & 2025 (if less than 10,000 miles). Includes motorcycles. Valid for new purchases, refinancing, & lease buyouts. Maximum DTI 45%. Loan amount cannot exceed vehicle value (e.g. Kelley Blue Book). Membership required. Rate reflects 2-year term with A+ paper (TransUnion score 720+). Promotional sale July 1, 2026 through August 31, 2026 includes up to 1.25% APR off (1.00% sale discount plus 0.25% direct deposit/automatic transfer discount).
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 2.99% | Advertised 'as low as' rate reflects a 2-year term with A+ paper (TransUnion score of 720+). Includes 1.00% APR sale discount and 0.25% direct deposit and recurring automatic loan transfer discount. Model years 2026 & 2025 (<10,000 miles). |
Used Auto Loans
Includes model years 2016-2025. Includes motorcycles. Valid for dealership & private sales, refinancing, & lease buyouts. Maximum DTI 45%. Loan amount cannot exceed vehicle value (e.g. Kelley Blue Book). Membership required. Rate reflects 2-year term with A+ paper (TransUnion score 720+). Promotional sale July 1, 2026 through August 31, 2026 includes up to 1.25% APR off (1.00% sale discount plus 0.25% direct deposit/automatic transfer discount).
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 3.49% | Advertised 'as low as' rate reflects a 2-year term with A+ paper (TransUnion score of 720+). Includes 1.00% APR sale discount and 0.25% direct deposit and recurring automatic loan transfer discount. Model years 2016-2025. Term up to 84 months depending on model year. |
Who can join Amherst Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
- Open to persons who live, work, worship, or attend school in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
Employers and groups
- Open to employees of this credit union.
- Open to organizations of eligible persons.
Family and household
- Open to members of the immediate family or household of eligible persons.
- Open to spouses of persons who died while within the field of membership of this credit union.
1 more way to join
Other ways
- Open to volunteers in the community.
Membership information collected October 5, 2026.