Auto Loans · Amherst, New York
4 credit unions in Amherst report car loan rates to the NCUA. Rates range from 4.25% to 5.07%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.25%
Lowest New Car Rate
4.61%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | BOULEVARD ★ 4.1 · 23 reviews | 4.25% | 5.25% |
| 2 | SWEET HOME ★ 4.3 · 20 reviews | 4.47% | 5.29% |
| 3 | AMHERST ★ 4.7 · 78 reviews | 4.63% | 5.73% |
| 4 | WILLIAMSVILLE ★ 5.0 · 2 reviews | 5.07% | 5.23% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WILLIAMSVILLE ★ 5.0 · 2 reviews | 5.23% | 5.07% |
| 2 | BOULEVARD ★ 4.1 · 23 reviews | 5.25% | 4.25% |
| 3 | SWEET HOME ★ 4.3 · 20 reviews | 5.29% | 4.47% |
| 4 | AMHERST ★ 4.7 · 78 reviews | 5.73% | 4.63% |
A pre-approval from a Amherst credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Amherst in the same window and take the best offer.
See member reviews, branch locations, and full rate details.