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*
2016 - 2018 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%
2011 - 2015 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%
2010 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 1/1/2018. 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)