Auto Loans · Buffalo, New York
10 credit unions in Buffalo report car loan rates to the NCUA. Rates range from 3.93% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
3.93%
Lowest New Car Rate
5.01%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | DUNLOP EMPLOYEES ★ 5.0 · 6 reviews | 3.93% | 6.04% |
| 2 | ERIE COUNTY EMPLOYEES ★ 4.2 · 6 reviews | 3.99% | 4.75% |
| 3 | KALEIDA HEALTH ★ 3.3 · 4 reviews | 4.54% | 5.83% |
| 4 | BUFFALO POLICE ★ 4.3 · 6 reviews | 4.82% | 6.11% |
| 5 | BUFFALO METROPOLITAN ★ 3.3 · 112 reviews | 4.82% | 6.63% |
| 6 | SISTER'S HOSPITAL EMPLOYEES | 4.83% | 6.79% |
| 7 | KENMORE N. Y. TEACHERS ★ 4.3 · 12 reviews | 5.10% | 6.14% |
| 8 | TONAWANDA COMMUNITY ★ 4.0 · 26 reviews | 5.44% | 6.14% |
| 9 | SJP ★ 4.3 · 41 reviews | 5.58% | 8.04% |
| 10 | MORTON LANE ★ 4.0 · 13 reviews | 7.00% | 8.00% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ERIE COUNTY EMPLOYEES ★ 4.2 · 6 reviews | 4.75% | 3.99% |
| 2 | KALEIDA HEALTH ★ 3.3 · 4 reviews | 5.83% | 4.54% |
| 3 | DUNLOP EMPLOYEES ★ 5.0 · 6 reviews | 6.04% | 3.93% |
| 4 | ST. JOHN UNITED ★ 5.0 · 2 reviews | 6.07% | — |
| 5 | BUFFALO POLICE ★ 4.3 · 6 reviews | 6.11% | 4.82% |
| 6 | KENMORE N. Y. TEACHERS ★ 4.3 · 12 reviews | 6.14% | 5.10% |
| 7 | TONAWANDA COMMUNITY ★ 4.0 · 26 reviews | 6.14% | 5.44% |
| 8 | BUFFALO METROPOLITAN ★ 3.3 · 112 reviews | 6.63% | 4.82% |
| 9 | SISTER'S HOSPITAL EMPLOYEES | 6.79% | 4.83% |
| 10 | MORTON LANE ★ 4.0 · 13 reviews | 8.00% | 7.00% |
| 11 | SJP ★ 4.3 · 41 reviews | 8.04% | 5.58% |
A pre-approval from a Buffalo 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 Buffalo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.