Credit union · NCUA insured
Local 41 IBEW FCU Auto Loan Rates
Local 41 IBEW FCU auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Local 41 IBEW FCU’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Local 41 IBEW FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Local 41 IBEW FCU
4.50%APR
- Terms
- up to 84 months
- 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
Local 41 IBEW FCU auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 41 IBEW FCU 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 are risk based and will be determined by each individual applicant's credit score as provided by TransUnion credit bureau. Rates are subject to change without advance notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | New auto loan |
| up to 72 months | 4.50% | Used auto loan |
| up to 72 months | 4.00% | Refinanced auto loan |
Sources (1)
- local41fcu.com/loans.html · captured Oct 7, 2026
Who can join Local 41 IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of Local 41 IBEW are eligible for membership.
Family and household
- Spouses, children, and immediate family members (including stepparents, stepchildren, stepsiblings, and adoptive relationships) of Local 41 IBEW members or employees are eligible to join regardless of where they live.
Cost to join
- A par value of $25 for a membership share must be fully paid and retained in a membership share savings account to become and maintain membership.
Membership information collected October 5, 2026.