Credit union · NCUA insured
Williamsville Federal Credit Union Auto Loan Rates
Williamsville Federal Credit Union auto loans start at 4.80% APR for a new vehicle and 6.20% for a used one. Rates checked October 16, 2026.
How Williamsville Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where Williamsville Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Williamsville Federal Credit Union
4.80%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans – New 2025-2026
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
Williamsville Federal Credit Union auto loan score
80
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed6.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Williamsville 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.
Auto Loans – New 2025-2026
Maximum $45,000. Lease buyouts and refinances are not offered. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.80% | New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered. |
| up to 72 months | 4.95% | New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered. |
Sources (1)
- williamsvillefcu.com/loan-rates · captured Oct 7, 2026
Auto Loans – Used 2018 – 2024
Maximum $45,000. Lease buyouts and refinances are not offered. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.20% | Used 2018 – 2024. Maximum $45,000. Lease buyouts and refinances are not offered. |
| up to 72 months | 6.50% | Used 2018 – 2024. Maximum $45,000. Lease buyouts and refinances are not offered. |
Sources (1)
- williamsvillefcu.com/loan-rates · captured Oct 7, 2026
Who can join Williamsville Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Williamsville Central School District employees are eligible to join Williamsville FCU.
Family and household
- Family members of Williamsville Central School District employees are eligible to join Williamsville FCU.
Other ways
- Any child in the field of membership can become a member and open a share savings account.
Cost to join
- An initial $6.00 deposit is required for a child account.
- Joining requires a membership fee of $1.00 and a minimum share deposit of $5.00.
Membership information collected October 5, 2026.