Credit union · NCUA insured
BufMet Credit Union Auto Loan Rates
Top CarrotBufMet Credit Union auto loans start at 4.70% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How BufMet Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where BufMet Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
BufMet Credit Union
4.70%APR
- Terms
- —
- Discount
- None included
Auto Loan
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
BufMet Credit Union auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.70%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BufMet 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 Loan
Rates depend on credit history and are subject to change without notice. Minimum monthly payment $25.00 (excluding MasterCard). $30.00 late fee for payments 15+ days delinquent. Loan rates effective 6/1/2026. Veteran discount cannot be combined with Enterprise Car Sales reduction.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.70% | Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term |
| — | 4.74% | Vehicle year 2024; purchased or refinanced from another lender; credit history determines rate and term |
| — | 4.99% | Vehicle years 2022 & 2023; purchased or refinanced from another lender; credit history determines rate and term |
| — | 5.70% | Vehicle year 2021 & older; purchased or refinanced from another lender; credit history determines rate and term |
Sources (1)
- bufmet.org/rates · captured Oct 7, 2026
Who can join BufMet Credit Union
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