Credit union · NCUA insured
Meridia Community Credit Union Auto Loan Rates
Meridia Community Credit Union auto loans start at 2.99% APR for a new vehicle and 3.29% for a used one. Rates checked October 16, 2026.
How Meridia Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Meridia Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Meridia Community Credit Union
2.99%APR
- Terms
- 1–60 months
- Discount
- None included
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
Meridia Community Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew2.99%
- Used vehicleUsed3.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Meridia Community 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.
Auto Loans
Rate determined by credit score and model year of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 2.99% | NEW AUTO 2026 and newer |
| 61–75 months | 3.99% | NEW AUTO 2026 and newer |
| 1–60 months | 3.29% | USED AUTOs 2021-2026 |
| 61–75 months | 4.29% | USED AUTOs 2021-2026 |
| 1–60 months | 3.99% | USED AUTOs 2020 and older |
| 61–75 months | 4.99% | USED AUTOs 2020 and older |
Sources (1)
- meridiacu.com/loans/auto-loans · captured Oct 5, 2026
Who can join Meridia Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Erie County, Cattaraugus County, or Chautauqua County, New York are eligible to join Meridia Community Credit Union.
Family and household
- Family members of eligible individuals can join even if they live outside the membership area, including grandparents, parents, siblings (and their spouses), children, and grandchildren.
Cost to join
- There are no fees to join Meridia, but a $5 deposit is required to open an account.
Membership information collected October 5, 2026.