Personal Loans · Cheektowaga, New York
10 credit unions in Cheektowaga report personal loan rates to the NCUA. Rates range from 4.50% to 12.89%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
4.50%
Lowest Rate
9.47%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | BUFFALO CONRAIL ★ 3.9 · 18 reviews | 4.50% | 8.50% |
| 2 | FINANCIAL TRUST ★ 4.0 · 27 reviews | 7.23% | 10.90% |
| 3 | SLOAN PUBLIC SCHOOLS ★ 4.0 · 4 reviews | 8.47% | — |
| 4 | ONE CREDIT UNION OF NY ★ 3.9 · 12 reviews | 8.74% | 10.00% |
| 5 | CIRCUIT ★ 4.7 · 11 reviews | 9.65% | 8.99% |
| 6 | MARYVALE SCHOOLS ★ 5.0 · 1 reviews | 10.50% | — |
| 7 | CROSSROADS COMMUNITY ★ 4.0 · 25 reviews | 10.76% | 11.90% |
| 8 | EMPIRE ONE ★ 2.3 · 25 reviews | 10.99% | 8.49% |
| 9 | AFGM ENTERPRISES ★ 4.6 · 10 reviews | 11.00% | — |
| 10 | TOWN OF CHEEKTOWAGA ★ 4.8 · 6 reviews | 12.89% | 10.90% |
If you have high-rate credit card balances, a personal loan from a Cheektowaga 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.