Credit union · NCUA insured
Ukrainian Federal Credit Union Auto Loan Rates
Top CarrotUkrainian Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How Ukrainian Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Ukrainian Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Ukrainian Federal Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 6.25% APR
- Discount
- None included
New Auto Loan (vehicle year 2025 - 2026)
Lowest rate
EmpireONE Federal Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Niagara's Choice
3.70%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Ukrainian Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ukrainian 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 Auto Loan (vehicle year 2025 - 2026)
For vehicle years 2025-2026. "APR as low as" rates are based on approved credit and reflect a maximum relationship discount of 1.00% (0.25% discount each for down payment over 25%, checking account with autopay, IRA Share Certificate/Share Certificate (CD) or other loans over $5,000, and registration for e-statements). No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00%–6.00% | Maximum term 3 years. Base APR is 6.00%; APR as low as 5.00% includes up to 1.00% relationship discount based on approved credit. |
| up to 48 months | 5.00%–6.00% | Maximum term 4 years. Base APR is 6.00%; APR as low as 5.00% includes up to 1.00% relationship discount based on approved credit. |
| up to 60 months | 5.25%–6.25% | Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit. |
| up to 72 months | 5.50%–6.50% | Maximum term 6 years. Base APR is 6.50%; APR as low as 5.50% includes up to 1.00% relationship discount based on approved credit. |
| up to 84 months | 5.75%–6.75% | Maximum term 7 years. Base APR is 6.75%; APR as low as 5.75% includes up to 1.00% relationship discount based on approved credit. |
Sources (3)
- ukrainianfcu.org/personal/loans
- ukrainianfcu.org/rates/personal-rates
- ukrainianfcu.org/lp/better-rates-for-your-next-drive
All captured Oct 16, 2026
Used Auto Loan (vehicle year 2022 - 2026)
For vehicle years 2022-2026 (or 2022-2025). "APR as low as" rates are based on approved credit and reflect a maximum relationship discount of 1.00% (0.25% discount each for down payment over 25%, checking account with autopay, IRA Share Certificate/Share Certificate (CD) or other loans over $5,000, and registration for e-statements). No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25%–6.25% | Maximum term 3 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit. |
| up to 48 months | 5.25%–6.25% | Maximum term 4 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit. |
| up to 60 months | 5.50%–6.50% | Maximum term 5 years. Base APR is 6.50%; APR as low as 5.50% includes up to 1.00% relationship discount based on approved credit. |
| up to 72 months | 5.75%–6.75% | Maximum term 6 years. Base APR is 6.75%; APR as low as 5.75% includes up to 1.00% relationship discount based on approved credit. |
Sources (3)
- ukrainianfcu.org/personal/loans
- ukrainianfcu.org/rates/personal-rates
- ukrainianfcu.org/lp/better-rates-for-your-next-drive
All captured Oct 16, 2026
Who can join Ukrainian Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- U.S. citizens or permanent residents who are members of a common bond church or organization in the United States are eligible for membership.
Family and household
- U.S. citizens or permanent residents who are immediate family or household members of a current Ukrainian FCU member are eligible for membership.
Membership information collected October 5, 2026.