Main Branch:   (716) 691-6727   (716) 691-6860   2787 Niagara Falls Boulevard, Amherst NY 14228

Penn Central Branch:   (716) 283-6268   (716) 283-3007   8612 Buffalo Ave, Niagara Falls, NY 14304

competitive loan rates

Loan rates for all of your needs!


Vehicle loans

Year Term APR*
2020 - 2018 24 months As low as 2.75%
36 months As low as 2.75%
48 months As low as 2.75%
60 months As low as 3.55%
72 months As low as 4.15%
2017 - 2013 24 months As low as 3.75%
36 months As low as 3.75%
48 months As low as 3.75%
60 months As low as 4.50%
72 months As low as 5.35%
2012 and older 24 months As low as 3.75%
36 months As low as 3.75%
48 months As low as 3.75%
60 months As low as 4.50%
72 months As low as 5.35%

Boat and RV loans

Year Term APR*
New (never titled) 36 months As low as 5.00%
48 months As low as 5.30%
60 months As low as 5.50%
72 months As low as 5.80%
84 months As low as 6.30%
120 months As low as 6.80%
180 months As low as 6.90%
Used 36 months As low as 6.00%
48 months As low as 6.30%
60 months As low as 6.50%
72 months As low as 6.80%
84 months As low as 8.00%

Signature and Preferred loans

Type Term Max amount APR*
Signature loan 12 months As low as 4.25%
24 months As low as 5.25%
36 months As low as 5.50%
48 months As low as 5.80%
60 months $7,500 As low as 6.80%
Preferred line of credit $10,000 As low as 8.50%

Share loans

Type Term APR*
Share Loan Up to 120 months 4.50%
Share Secured Mastercard $300 - $10,000 10.00%
CD Secured Loan Term is determined by maturity of CD 2% over certificate rate

Mastercard

Type Term APR*
$500 - $10,000 No annual fee as low as 10.00%

Home Equity Mortgage

Type Term APR*
Home Equity Mortgage 5 year borrowing 15 year payback As low as Prime + 1.00%
Open end line of Credit Adjustable - Floor: 4.25%. Ceiling: 18.00%
*Prime rate as determined in the Wall Street Journal.

*APR = annual percentage rate. Rates effective 2/1/2019. Credit Life Insurance and Disability Insurance is available on all loans (except First Mortgage), but purchase is not required to obtain a loan. This is member-pay insurance. It is available to single or co-applicant. (These products are not underwritten, issued, insured or guaranteed by NCUA or any other Federal Government agency). All rates are subject to change without notice. Home Equity Loans not available Out-of-State. Loan Late Payment Fee - $25.00 (after 5 day Grace Period)