Credit union · NCUA insured
MOOG Employees FCU Auto Loan Rates
Top CarrotMOOG Employees FCU auto loans start at 3.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How MOOG Employees FCU’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where MOOG Employees FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
MOOG Employees FCU
3.99%APR
- Terms
- 12–60 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
MOOG Employees FCU auto loan score
91
Auto loan score
Higher than 92% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MOOG Employees 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.
New Auto Loans
Rate based on creditworthiness and term of loan. Up to 100% financing including tax, license and extended warranty on new vehicles. No down payment required subject to credit approval. No prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 3.99% | Up to $100,000.00. |
| 61–72 months | 5.50% | New purchases only (excludes refinances on existing MEFCU loans). |
| 73–84 months | 6.50% | New purchases only (excludes refinances on existing MEFCU loans). |
Used Auto Loans
Rate based on creditworthiness and term of loan. No prepayment penalties. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 12–24 months | 3.99% | Up to $100,000.00. |
| 25–36 months | 4.25% | Up to $100,000.00. |
| 37–60 months | 4.99% | Up to $100,000.00. |
| 61–72 months | 5.50% | Up to $100,000.00. |
Who can join MOOG Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Cobham Mission Systems (formerly Carleton Technologies) are eligible for membership.
- Employees of MOOG, Inc. who work in or are paid from East Aurora, New York are eligible for membership.
Family and household
- Members of the immediate families of qualifying persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Employees of this credit union are eligible for membership.
- Persons retired as pensioners or annuitants from the qualifying employee groups or credit union are eligible for membership.
Cost to join
- A $5.00 minimum balance is required to open an account.
- A $5.00 opening fee is required when opening an account.
Membership information collected October 5, 2026.