Credit union · NCUA insured
EmpireONE Federal Credit Union Auto Loan Rates
EmpireONE Federal Credit Union auto loans start at 3.50% APR for a new vehicle and 3.50% for a used one. Rates checked October 16, 2026.
How EmpireONE Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where EmpireONE Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
NEW AUTO LOAN
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
3rd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
- Discount
- None included
EmpireONE Federal Credit Union auto loan score
98
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.50%
- Used vehicleUsed3.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EmpireONE 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.
NEW AUTO LOAN
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.50% | Rates as low as. GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7! |
Sources (1)
- empireonefcu.org/rates · captured Oct 5, 2026
USED AUTO LOAN
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.50% | Rates as low as. GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7! |
Sources (1)
- empireonefcu.org/rates · captured Oct 5, 2026
Who can join EmpireONE 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or go to school in Erie County, New York, and can prove US citizenship, are eligible for membership.
Family and household
- Immediate family members and others living in the household of an existing Empire ONE Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.