Credit union · NCUA insured
WNY Federal Credit Union Auto Loan Rates
WNY Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How WNY Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Buffalo, NY, where WNY Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
WNY Federal Credit Union
4.74%APR
- Terms
- up to 60 months
- Discount
- None included
Auto 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
WNY Federal Credit Union auto loan score
82
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WNY 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
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | New Models (2026-2022) |
| up to 36 months | 4.99% | Used Models (2021-2017) |
| up to 48 months | 4.24% | New Models (2026-2022) |
| up to 48 months | 5.24% | Used Models (2021-2017) |
| up to 60 months | 4.74% | New Models (2026-2022) |
| up to 60 months | 5.74% | Used Models (2021-2017) |
| up to 72 months | 5.24% | New Models (2026-2022) |
| up to 72 months | 6.24% | Used Models (2021-2017) |
| up to 84 months | 6.24% | New Models (2026-2022) |
Who can join WNY 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in, and businesses and other legal entities located in, Erie County, New York.
Cost to join
- Establishes membership with a $25 opening deposit in a Classic Savings account.
Membership information collected October 5, 2026.