Credit union · NCUA insured
Erie County Employees Federal Credit Union Auto Loan Rates
Erie County Employees Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.95% for a used one. Rates checked October 16, 2026.
How Erie County Employees Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Erie County Employees Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Erie County Employees Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- None included
New 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
Erie County Employees Federal Credit Union auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Erie County Employees 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 loans
| Terms | APR | Conditions |
|---|---|---|
| — | 3.39% | Some restrictions may apply. |
| up to 24 months | 3.99% | Rate as low as. |
| up to 36 months | 3.99% | Rate as low as. |
| up to 48 months | 3.99% | Rate as low as. |
| up to 60 months | 3.99% | Rate as low as. |
| up to 72 months | 4.50% | Rate as low as. |
| up to 84 months | 5.50% | Rate as low as. |
| up to 96 months | 6.50% | Rate as low as. |
Used auto loans
| Terms | APR | Conditions |
|---|---|---|
| — | 3.95% | Some restrictions may apply. |
| up to 24 months | 4.75% | Rate as low as. |
| up to 36 months | 4.75% | Rate as low as. |
| up to 48 months | 4.75% | Rate as low as. |
| up to 60 months | 4.75% | Rate as low as. |
| up to 72 months | 5.00% | Rate as low as. |
| up to 84 months | 6.00% | Rate as low as. |
| up to 96 months | 7.00% | Rate as low as. |
Sources (3)
- eriecountycreditunion.net
- eriecountycreditunion.net/loanspecials.php
- eriecountycreditunion.net/rates.php
All captured Oct 5, 2026
Who can join Erie County Employees Federal Credit Union
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