Personal Loans · Buffalo, New York
11 credit unions in Buffalo report personal loan rates to the NCUA. Rates range from 5.00% to 12.41%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
5.00%
Lowest Rate
9.50%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ERIE COUNTY EMPLOYEES ★ 4.2 · 6 reviews | 5.00% | 12.25% |
| 2 | KENMORE N. Y. TEACHERS ★ 4.3 · 12 reviews | 8.47% | 9.50% |
| 3 | ST. JOHN UNITED ★ 5.0 · 2 reviews | 8.52% | — |
| 4 | TONAWANDA COMMUNITY ★ 4.0 · 26 reviews | 8.84% | 10.50% |
| 5 | SJP ★ 4.3 · 41 reviews | 9.02% | — |
| 6 | SISTER'S HOSPITAL EMPLOYEES | 9.52% | — |
| 7 | BUFFALO POLICE ★ 4.3 · 6 reviews | 9.74% | — |
| 8 | KALEIDA HEALTH ★ 3.3 · 4 reviews | 10.35% | — |
| 9 | BUFFALO METROPOLITAN ★ 3.3 · 112 reviews | 11.17% | 10.91% |
| 10 | MORTON LANE ★ 4.0 · 13 reviews | 11.50% | 8.25% |
| 11 | DUNLOP EMPLOYEES ★ 5.0 · 6 reviews | 12.41% | — |
If you have high-rate credit card balances, a personal loan from a Buffalo credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.