Credit union · NCUA insured
Town of Cheektowaga Federal Credit Union Auto Loan Rates
Top CarrotTown of Cheektowaga Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 4.29% for a used one. Rates checked October 16, 2026.
How Town of Cheektowaga Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Town of Cheektowaga Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Town of Cheektowaga Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- None included
New automobile
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
Town of Cheektowaga Federal Credit Union auto loan score
93
Auto loan score
Higher than 95% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed4.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Town of Cheektowaga 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
Risk based scoring: Member's may be charged a premium over and above the listed base rate as established by the Town of Cheektowaga F.C.U. loan policy and their FICO score at the time of application (680 – over: +0.00%, 640 – 679: +1.00%, 600 – 639: +2.00%, 550 – 599: +4.00%, 549 – below: +6.00%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.75% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. |
| up to 60 months | 3.99% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. |
| up to 84 months | 4.99% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. |
Sources (1)
- townofcheektowagafcu.com/loan-rates · captured Oct 16, 2026
Used automobile 2020 and older
Risk based scoring: Member's may be charged a premium over and above the listed base rate as established by the Town of Cheektowaga F.C.U. loan policy and their FICO score at the time of application (680 – over: +0.00%, 640 – 679: +1.00%, 600 – 639: +2.00%, 550 – 599: +4.00%, 549 – below: +6.00%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.00% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. Model years 2020 and older. |
Sources (1)
- townofcheektowagafcu.com/loan-rates · captured Oct 16, 2026
Used automobile 2021 – 2026
Risk based scoring: Member's may be charged a premium over and above the listed base rate as established by the Town of Cheektowaga F.C.U. loan policy and their FICO score at the time of application (680 – over: +0.00%, 640 – 679: +1.00%, 600 – 639: +2.00%, 550 – 599: +4.00%, 549 – below: +6.00%).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. Model years 2021 – 2026. |
| up to 72 months | 4.29% | Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier. Model years 2021 – 2026. |
Sources (1)
- townofcheektowagafcu.com/loan-rates · captured Oct 16, 2026
Who can join Town of Cheektowaga Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of A.G. Roehrig & Son are eligible for membership.
- Members of Bellevue Volunteer Fire Department are eligible for membership.
- Members of Cleveland Hill Fire Department No. 6 are eligible for membership.
- Members of Francis J. Donovan Post # 1626 are eligible for membership.
- Members of Doyle Hose Company No.1 are eligible for membership.
- Members of Forks Fire District #3 are eligible for membership.
12 more ways to join
Employers and groups
- Members of Cheektowaga Historical Association are eligible for membership.
- Members of Hy-View Fire Company in the Town of Cheektowaga are eligible for membership.
- Members of U-Crest Fire Company, Inc. District No. 4 are eligible for membership.
Military, government and schools
- Employees of this credit union are eligible for membership.
- Employees and elected / appointed officials of the Town of Cheektowaga are eligible for membership.
- Members of Pvt. Leonard Post, Jr. Post No.6251 Veterans of Foreign Wars are eligible for membership.
- Employees and elected / appointed officials of the Village of Depew are eligible for membership.
- Employees and elected / appointed officials of the Village of Sloan are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
- Persons retired as pensioners or annuitants from the qualifying employment groups are eligible for membership.
Membership information collected October 5, 2026.