Credit union · NCUA insured
ONE Credit Union Auto Loan Rates
Top CarrotONE Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How ONE Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where ONE Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ONE Credit Union
3.99%APR
- Terms
- 49–60 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
ONE Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ONE 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
Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout. This is a limited time special rate offer and can expire at anytime without notice. Advertised rate is 'as low as' and determined by creditworthiness of applicant. Rates are subject to change without notice. Rates are for new ONE CU loans; current ONE CU loans are not eligible for rate refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Up to 24 months. Advertised rate is as low as and determined by creditworthiness. |
| 25–36 months | 3.99% | 25 to 36 months. Advertised rate is as low as and determined by creditworthiness. |
| 37–48 months | 3.99% | 37 to 48 months. Advertised rate is as low as and determined by creditworthiness. |
| 49–60 months | 3.99% | 49 to 60 months. Advertised rate is as low as and determined by creditworthiness. At 3.99% APR with a 60-month term, you will make 60 monthly payments of $18.42 per $1,000 of the loan. |
| 61–72 months | 4.99% | 61 to 72 months. Advertised rate is as low as and determined by creditworthiness. |
| 73–84 months | 5.99% | 73 to 84 months. Vehicles must be 4 years old or newer and loan amount must be $25,000 or more. |
Who can join ONE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who either lives, works, worships, or goes to school in Erie County, New York.
Membership information collected October 5, 2026.