Credit union · NCUA insured
Sweet Home Federal Credit Union Auto Loan Rates
Top CarrotSweet Home Federal Credit Union auto loans start at 3.99% APR for a new vehicle. Rates checked October 16, 2026.
How Sweet Home Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Sweet Home Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sweet Home Federal Credit Union
3.99%APR
- Terms
- up to 72 months
- Discount
- None included
New Automobile – Model years 2025 or newer
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
Sweet Home Federal Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sweet Home 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 Automobile – Model years 2025 or newer
All loans are subject to credit approval. Rates are subject to change without notice. Other terms and conditions may apply. 100% financing available up to entire purchase price when purchased through a dealer.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 3.99% | As low as rate. |
| up to 72 months | 3.99% | As low as rate. |
| up to 84 months | 5.49% | As low as rate. |
Sources (1)
- sweethomefcu.org/borrow/auto-loans · captured Oct 7, 2026
Used Automobile – Model years 2015 - 2019
All loans are subject to credit approval. Rates are subject to change without notice. Other terms and conditions may apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.49% | As low as rate. |
Sources (1)
- sweethomefcu.org/borrow/auto-loans · captured Oct 7, 2026
Who can join Sweet Home Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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, go to school, or volunteer in Amherst or Tonawanda are eligible for membership.
Family and household
- Family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires an initial deposit of at least $5 to open an account.
Membership information collected October 5, 2026.