Phone: (716) 881-3767

Get financing for whatever you need now

Our mission is to provide financial services of the highest quality to our members

We're having a loan sale!!!

For the months of November and December 2019 the credit union is reducing our already low loan rates by .50% for all loan products.

Auto Loans

Our Auto Loans are designed to be competitive to other financial institutes. We provide affordable ways to finance a new or used. We will even refinance your current Auto loan to help you save money.

Personal Loans

Our Personal Loans are designed to help people obtain affordable loans for personal purposes. We believe in helping the community obtain affordable money without it mortgaging their financial future.

Mortgage Loans

Our Mortgage Loans are designed to help someone buy a new home. We believe that buying a home is already stressful enough. We want to take some of that burden off of you and give you that credit union feel when obtaining your new mortgage.

Equity Loans

Our home Equity Loans are for when you already own your house, and have a mortgage. If you need to do home repairs, we make it easy to take out money from the value of your house.

Credit Builder Loan

We designed our credit builder loan to help our members build, or repair their credit. We believe in helping our members build their credit scores in order to obtain lower interest rates in the future.

Emergency loans

Our Emergency loans are designed to help the people of buffalo get financing when they wouldn’t be able to get traditional financing.

Line of Credit loans

Our Line of Credit loans are more affordable than a credit card. We want you to help you save money by switching your credit cards over to our Line of Credit Loan.

Loan and Line of Credit Rates

Type Term Rate
Model Year 2017 – 201924 months2.99%*

Model Year 2017 – 2019

36 months3.14%*

Model Year 2017 – 2019

48 months3.24%*

Model Year 2017 – 2019

60 months3.49%

Model Year 2017 – 2019

72 months3.74%
Type Term Rate
Model Year 2012 – 201624 months3.24%*

Model Year 2012 – 2016

36 months3.39%*

Model Year 2012 – 2016

48 months3.49%*

Model Year 2012 – 2016

60 months3.74%*

Model Year 2010 – 2014

72 months3.99%*
Type Term Rate
Model Year 2011 & Older24 months3.74%*

Model Year 2011 & Older

36 months3.89%*

Model Year 2011 & Older

48 months3.99%*

Model Year 2011 & Older

60 months4.24%*

Model Year 2011 & Older

72 months3.99%*
Type Amount Rate
Overdraft$100.00 to $1,499.9915.90%*
Line of Credit (Variable rate, subject to change. Risk-based pricing does not apply)$1,500.00 to $10,000.00 5 year draw, 5 year paydown9.00%
Duration Rate
24 months9.49%*
25 to 48 months10.24%*
49 to 60 months8.99%*
Loan Type Amount Rate
Emergency Loanup to $5,0009.99%*
Micro – Business Loanup to $5,00010.24%*
Credit Builderup to $5,00012.99%*
Loan Type Rate
Business Line of Credit – variable rate / subject to change. Score based pricing does not apply effective October 1, 201615.90%*
Business Vehicle – Titled Equipment5.99%*
Business Equipment – UCC Lien6.49%*

Fast and Easy Approval For Car Loans

Lowest Interest Rates – Calculate EMI – Check Eligibility – Instant e-Approval – Special Offers

2.99%* FOR NEW 2019 CARS
3.74%* FOR NEW CAR

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* rates listed are the lowest available rates as of October 8th, 2019. You may not qualify for these rates. There are many factors used to determine your rate, which in addition to your credit score include but are not limited to factors such as credit worthiness, income, payment history, collateral, liquid assets and even loan type.  To see what rates you qualify for please begin the process by submitting an application.