Credit union · NCUA insured
Buffalo Conrail Federal Credit Union Auto Loan Rates
Top CarrotBuffalo Conrail Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Buffalo Conrail Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Buffalo Conrail Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Buffalo Conrail Federal Credit Union
4.25%APR
- Terms
- up to 72 months
- Discount
- None included
Auto 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
Buffalo Conrail Federal Credit Union auto loan score
90
Auto loan score
Higher than 91% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Buffalo Conrail 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.
Auto Loans
Subject to credit approval. We don't risk-rate.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | 2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles |
| up to 84 months | 5.25% | 2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles |
| up to 72 months | 4.50% | 2024 models |
| up to 84 months | 5.50% | 2024 models |
| up to 60 months | 4.75% | 2023 – 17 models |
| up to 72 months | 5.75% | 2023 – 17 models |
| up to 42 months | 5.00% | 2016 – 13 models |
| up to 60 months | 6.00% | 2016 – 13 models |
| up to 30 months | 5.25% | 2012 & Older models |
| up to 42 months | 6.25% | 2012 & Older models |
| up to 60 months | 8.50% | Classic Car; subject to appraisal |
Sources (4)
All captured Oct 7, 2026
Who can join Buffalo Conrail Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad, and Norfolk Southern are eligible for membership.
- Members of other SEG groups are eligible for membership.
Family and household
- Extended families of railroad employees, retirees, and other SEG groups are eligible for membership.
Other ways
- Railroad retirees are eligible for membership.
Membership information collected October 5, 2026.