Credit union · NCUA insured
Great Erie Federal Credit Union Auto Loan Rates
Top CarrotGreat Erie Federal Credit Union auto loans start at 2.74% APR for a new vehicle and 2.99% for a used one. Rates checked October 16, 2026.
How Great Erie Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Great Erie Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Great Erie Federal Credit Union
2.74%APR
- Terms
- up to 60 months
- Discount
- None included
New/Used Vehicles
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
Great Erie Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.74%
- Used vehicleUsed2.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Great Erie 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.
DrivingSense Auto Finance Option
Combines features of ownership and leasing. Up to 100% financing available for terms from 24 to 72 months. No capitalization fees, no security deposit, no up-front first or last payment, and no early payoff penalty. Rates reflect direct deposit and autopay.
| Terms | APR | Conditions |
|---|---|---|
| 24–72 months | 3.99% | Applies to new auto. Rate reflects direct deposit and autopay. |
| 24–72 months | 4.24% | Applies to used auto up to five years old. Rate reflects direct deposit and autopay. |
Sources (2)
All captured Oct 5, 2026
New/Used Vehicles
Rates reflect a 0.25% discount with direct deposit and autopay. Subject to credit approval. Membership with $5 deposit in a Great Erie savings account required. Rates apply to new, used, or refinanced auto loans from another financial institution; existing Great Erie FCU auto loans are not eligible for refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 2.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. |
| up to 36 months | 2.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. |
| up to 48 months | 2.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. |
| up to 60 months | 2.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. Fall Auto Loan Sale promotional rate valid Sept. 17–Oct. 31, 2026; loans must be booked by Nov. 7, 2026. |
| up to 72 months | 3.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. |
| up to 84 months | 5.74% | Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. |
| up to 24 months | 2.99% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. |
| up to 36 months | 2.99% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. |
| up to 48 months | 2.99% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. |
| up to 60 months | 2.99% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. Fall Auto Loan Sale promotional rate valid Sept. 17–Oct. 31, 2026; loans must be booked by Nov. 7, 2026. |
| up to 72 months | 3.99% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. |
| up to 84 months | 6.74% | Applies to used model years 2021–2025. Rate reflects direct deposit and autopay. |
Sources (3)
- join.greateriefcu.com/auto-loan
- greateriefcu.com/about/rates/loan-rates
- greateriefcu.com/borrow/auto-loans
All captured Oct 5, 2026
Who can join Great Erie Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.