Credit union · NCUA insured
Western Division Federal Credit Union Auto Loan Rates
Western Division Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Western Division Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Western Division Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Western Division Federal Credit Union
5.49%APR
- Terms
- 55–66 months
- Discount
- None included
Vehicle & Truck 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
Western Division Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Western Division 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.
Vehicle & Truck Loans
Same rate for new, used, refinanced, or lease buyout on cars and trucks. Up to 110% financing available. No application fee, no refinance fees, and no prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Same Rate for new, used; refinanced or lease buyout: |
| 25–36 months | 4.99% | Same Rate for new, used; refinanced or lease buyout: |
| 37–54 months | 5.24% | Same Rate for new, used; refinanced or lease buyout: |
| 55–66 months | 5.49% | Same Rate for new, used; refinanced or lease buyout: |
| 67–78 months | 5.74% | Same Rate for new, used; refinanced or lease buyout: |
| 79–84 months | 5.99% | Same Rate for new, used; refinanced or lease buyout: |
Sources (1)
- westerndivision.org/vehicle · captured Oct 5, 2026
Vehicle Classic
Same rate for purchase, refinanced or cash out.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.99% | Same rate for purchase, refinanced or cash out. |
| 25–36 months | 5.99% | Same rate for purchase, refinanced or cash out. |
| 37–54 months | 6.24% | Same rate for purchase, refinanced or cash out. |
| 55–60 months | 6.49% | Same rate for purchase, refinanced or cash out. |
Sources (1)
- westerndivision.org/vehicle · captured Oct 5, 2026
Who can join Western Division Federal Credit Union
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