Credit union · NCUA insured
Ontario Shores FCU Auto Loan Rates
Top CarrotOntario Shores FCU auto loans start at 3.90% APR for a new vehicle and 3.90% for a used one. Rates checked October 16, 2026.
How Ontario Shores FCU’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Ontario Shores FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ontario Shores FCU
3.90%APR
- Terms
- —
- Discount
- None included
Car 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
Ontario Shores FCU auto loan score
96
Auto loan score
Higher than 98% of U.S. banks and credit unions
- New vehicleNew3.90%
- Used vehicleUsed3.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ontario Shores 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.
Car Loans
For new or used autos and auto refinances. Rates and loan terms are determined based on applicant's past credit history and credit score. Membership subject to eligibility. Rates reflect all relationship discounts.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.90% | — |
College Grad Auto Loan Program
For Class of 2021 graduates with direct deposit at OSFCU (may qualify without a co-signer). For new and used autos.
| Terms | APR | Conditions |
|---|---|---|
| — | 1.25% | As low as 1.25% APR for Class of 2021 graduates with direct deposit at OSFCU. |
Sources (1)
- osfcu.com/college-grad-auto-loan-program · captured Oct 7, 2026
Who can join Ontario Shores FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben counties in Western New York.
Membership information collected October 5, 2026.