Credit union · NCUA insured
Niagara's Choice Auto Loan Rates
Top CarrotNiagara's Choice auto loans start at 3.70% APR for a new vehicle and 3.70% for a used one. Rates checked October 16, 2026.
How Niagara's Choice’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara's Choice has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Niagara's Choice
3.70%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Discount
- None included
3rd-lowest rate
Greater Woodlawn FCU
3.75%APR
- Terms
- up to 60 months
- Discount
- None included
Niagara's Choice auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.70%
- Used vehicleUsed3.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Niagara's Choice 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
Credit Union Membership is required. Loans are subject to creditworthiness. Rate discount available when automatic payments are set up. Loan preapproval gives 30 days to shop. Rate Match program for new vehicles, Rate Beat program for refinancing vehicles. Various terms available.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.70% | Rate includes 0.25% auto pay discount. Subject to creditworthiness. Applies to new and used auto loans. |
Sources (2)
All captured Oct 6, 2026
Who can join Niagara's Choice
This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, or volunteer in Niagara or Erie County are eligible for membership.
Cost to join
- An optional checking account deposit of $1.00 is available upon joining.
- An initial deposit of $5.00 in a savings account establishes membership.
Membership information collected October 5, 2026.