Credit union · NCUA insured
Niagara Falls Air Force Federal Credit Union Auto Loan Rates
Niagara Falls Air Force Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How Niagara Falls Air Force Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara Falls Air Force Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Niagara Falls Air Force Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Up to
- 11.74% APR
- Discount
- None included
New Vehicle Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Niagara Falls Air Force Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Niagara Falls Air Force 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 Vehicle Loans
Auto, trucks, motorcycles **RVs. Add .5% for every year over 72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74%–11.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 48 months | 4.74%–11.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 60 months | 4.74%–11.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 72 months | 5.24%–12.24% | Paper Grade A+ (720 and above) to D (475 - 599); over $25,000.00 |
| up to 84 months | 6.24%–13.24% | Paper Grade A+ (720 and above) to D (475 - 599); over $50,000.00 |
Sources (3)
- niagarafallsafcu.com
- niagarafallsafcu.com/loans/loan-information
- niagarafallsafcu.com/loans/loan-rates
All captured Oct 5, 2026
Used Vehicle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.74%–12.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 48 months | 5.74%–12.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 60 months | 5.74%–12.74% | Paper Grade A+ (720 and above) to D (475 - 599) |
| up to 72 months | 6.24%–13.24% | Paper Grade A+ (720 and above) to D (475 - 599); over $25,000.00 |
Who can join Niagara Falls Air Force Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full time base contracted employees are eligible for membership.
- Falcon Club employees are eligible for membership.
Military, government and schools
- Employees of the 107th Air National Guard are eligible for membership.
- Employees of the 914th Air Wing are eligible for membership.
- Employees of the Buffalo Army Corp. of Engineers are eligible for membership.
- Members of all branches of the military (active or retired) are eligible for membership.
1 more way to join
Family and household
- Spouses, children, grandchildren, brothers and sisters, parents, and grandparents of members are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $5.00 representing the shareholder's interest in the credit union.
Membership information collected October 5, 2026.