Auto Loans · Cheektowaga, New York
10 credit unions in Cheektowaga report car loan rates to the NCUA. Rates range from 3.71% to 5.97%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
3.71%
Lowest New Car Rate
4.44%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SLOAN PUBLIC SCHOOLS ★ 4.0 · 4 reviews | 3.71% | 5.89% |
| 2 | EMPIRE ONE ★ 2.3 · 25 reviews | 3.80% | 3.80% |
| 3 | MARYVALE SCHOOLS ★ 5.0 · 1 reviews | 3.99% | 3.99% |
| 4 | AFGM ENTERPRISES ★ 4.6 · 10 reviews | 4.00% | 6.00% |
| 5 | FINANCIAL TRUST ★ 4.0 · 27 reviews | 4.30% | 5.30% |
| 6 | CROSSROADS COMMUNITY ★ 4.0 · 25 reviews | 4.39% | 5.55% |
| 7 | CIRCUIT ★ 4.7 · 11 reviews | 4.49% | 4.89% |
| 8 | BUFFALO CONRAIL ★ 3.9 · 18 reviews | 4.64% | 5.88% |
| 9 | ONE CREDIT UNION OF NY ★ 3.9 · 12 reviews | 5.08% | 5.44% |
| 10 | TOWN OF CHEEKTOWAGA ★ 4.8 · 6 reviews | 5.97% | 5.85% |
10 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EMPIRE ONE ★ 2.3 · 25 reviews | 3.80% | 3.80% |
| 2 | MARYVALE SCHOOLS ★ 5.0 · 1 reviews | 3.99% | 3.99% |
| 3 | CIRCUIT ★ 4.7 · 11 reviews | 4.89% | 4.49% |
| 4 | FINANCIAL TRUST ★ 4.0 · 27 reviews | 5.30% | 4.30% |
| 5 | ONE CREDIT UNION OF NY ★ 3.9 · 12 reviews | 5.44% | 5.08% |
| 6 | CROSSROADS COMMUNITY ★ 4.0 · 25 reviews | 5.55% | 4.39% |
| 7 | TOWN OF CHEEKTOWAGA ★ 4.8 · 6 reviews | 5.85% | 5.97% |
| 8 | BUFFALO CONRAIL ★ 3.9 · 18 reviews | 5.88% | 4.64% |
| 9 | SLOAN PUBLIC SCHOOLS ★ 4.0 · 4 reviews | 5.89% | 3.71% |
| 10 | AFGM ENTERPRISES ★ 4.6 · 10 reviews | 6.00% | 4.00% |
A pre-approval from a Cheektowaga 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 Cheektowaga in the same window and take the best offer.
See member reviews, branch locations, and full rate details.