Credit union · NCUA insured
CrossRoads Community Federal Credit Union Auto Loan Rates
CrossRoads Community Federal Credit Union auto loan rates start at 3.99% APR. Rates checked October 16, 2026.
How CrossRoads Community Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where CrossRoads Community Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CrossRoads Community Federal Credit Union
– –
- Terms
- —
- Discount
- —
No ongoing APR published
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
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
Whether it’s a car, mini-van, pickup truck or SUV – new or used. For new vehicles, finances up to 100% of sticker price including tax and tags; for used cars, up to 100% of Used Car Pricing Guide. Term up to 84 months. Mechanical Repair Coverage, GAP, and Debt Protection available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 3.99% | Rates as low as 3.99% APR. Terms up to 84 months. Applies to new or used vehicles (car, mini-van, pickup truck or SUV). |
Who can join CrossRoads Community 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, volunteer, or go to school in Amherst, Blasdell, Buffalo, Cheektowaga, Clarence, Depew, East Aurora, Elma, Grand Island, Hamburg, Kenmore, Lackawanna, Lancaster, Orchard Park, Tonawanda, West Seneca, and Williamsville, New York.
Employers and groups
- Membership is open to businesses and other legal entities (such as churches, schools, and service groups) located in the served communities.
Family and household
- Membership is open to immediate family members of existing CrossRoads Community Federal Credit Union members.
- Any member of an eligible person's immediate family or household is eligible to join.
Cost to join
- To join, a minimum deposit of $25 is required to open a savings account.
Membership information collected October 5, 2026.