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Credit union · NCUA insured

Niagara Regional FCU Auto Loan Rates

Top Carrot, Carrot Score 90Top Carrot

Niagara Regional 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 Niagara Regional FCU’s auto loan rates compare

Compared with banks and credit unions near Buffalo, NY, where Niagara Regional FCU has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 90

    This credit union’s lowest

    Niagara Regional FCU

    3.99%APR

    Terms
    —
    Discount
    Included in the rate

    New Car (not registered)

  • Lowest rate

    EmpireONE Federal Credit Union

    3.50%APR

    Terms
    up to 60 months
    Discount
    None included

    EmpireONE Federal Credit Union rates

  • Top Carrot, Carrot Score 97

    2nd-lowest rate

    Niagara's Choice

    3.70%APR

    Terms
    —
    Discount
    Included in the rate

    Niagara's Choice rates

Compare auto loan rates near you →

Niagara Regional FCU auto loan score

89

Auto loan score

Higher than 86% of U.S. banks and credit unions

By vehicle
  • 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.

How the score works →

Where Niagara Regional 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.

Who can join Niagara Regional FCU

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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