Auto Loans · Tonawanda, New York
2 credit unions in Tonawanda report car loan rates to the NCUA. Rates range from 4.79% to 5.90%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.79%
Lowest New Car Rate
5.35%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | LINTON ★ 4.0 · 26 reviews | 4.79% | 4.58% |
| 2 | BECCO BUFFALO ★ 5.0 · 1 reviews | 5.90% | 7.50% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LINTON ★ 4.0 · 26 reviews | 4.58% | 4.79% |
| 2 | BECCO BUFFALO ★ 5.0 · 1 reviews | 7.50% | 5.90% |
A pre-approval from a Tonawanda 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 Tonawanda in the same window and take the best offer.
See member reviews, branch locations, and full rate details.