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*
2015 - 2017 24 months As low as 2.50%
36 months As low as 2.50%
48 months As low as 2.50%
60 months As low as 3.30%
72 months As low as 3.90%
2010 - 2014 24 months As low as 3.50%
36 months As low as 3.50%
48 months As low as 3.50%
60 months As low as 4.25%
2009 and older 24 months As low as 5.05%
36 months As low as 5.35%
48 months As low as 5.50%
60 months As low as 5.75%

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%
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 4.00%
24 months As low as 5.00%
36 months As low as 5.25%
48 months As low as 5.55%
60 months $7,500 As low as 6.55%
Preferred line of credit $10,000 As low as 8.25%

Share loans

Term APR*
Up to 120 months 4.50%

Mastercard loans

Amount Late payment APR*
$500 - $10,000 $10.00 As low as 10.00%
Secured min $300 $10.00 As low as 10.00%

*APR = annual percentage rate. Rates effective 1/1/2017. 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. No Out-of-State Co-signers accepted. Home Equity Loans not available Out-of-State. Loan Late Payment Fee - $25.00 (after 5 day Grace Period)