Loan Rates
Credit Union Rate Match Program!
The credit union will now match or beat other institutions' rates on secured loans (i.e. autos, motorcycles, campers, etc.)
Excludes all real estate loans. Terms and conditions apply - loan subject to credit approval.
For more information contact a credit union Loan Representative – (716) 655-2360
| Type | Features | Term - APR* |
|---|---|---|
| Personal Loans | Up to $30,000.00 | 12-48 mo. - 8.49% 49-60 mo. - 9.49% 61-84 mo. - 9.99% |
| New Auto Loans | Up to $100,000.00 New purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. - 3.99% 25-36 mo. - 4.25% 37-48 mo. - 4.25% 49-60 mo. - 5.25% 61-72 mo. - 5.75% 73-84 mo. - 6.50% |
| Used Auto Loans | Up to $100,000.00 Used purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. - 3.99% 25-36 mo. - 4.25% 37-48 mo. - 5.00% 49-60 mo. - 5.50% 61-72 mo. - 6.00% |
| New Motorcycles | Up to $60,000.00 New purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. - 4.24% 25-36 mo. - 4.49% 37-48 mo. - 4.74% 49-60 mo. - 4.99% 61-72 mo. - 5.24% 73-84 mo. - 5.49% |
| Used Motorcycles | Up to $60,000.00 Up to 48 months - No minimum - $60,000.00 maximum 49-72 months - Minimum $10,000.00 - Maximum $60,000.00 Used purchases only (excludes refinances on existing MEFCU loans) |
12-48 mo. - 6.25% 49-60 mo. - 7.25% 61-72 mo. - 8.25% |
| New Recreational Vehicle (Jetski, Snowmobile, ATV) |
Up to 72 months - No minimum - No maximum 73 - 96 months - Minimum $20,000.00 - No maximum New purchases only (excludes refinances on existing MEFCU loans) |
12-36 mo. - 5.25% 37-48 mo. - 5.50% 49-60 mo. - 5.50% 61-72 mo. - 6.00% 73-84 mo. - 6.50% 85-96 mo. - 7.00% |
| Used Recreational Vehicle (Jetski, Snowmobile, ATV) |
Up to 60 months - No minimum - No Maximum 61-96 months - minimum $16,000.00 - No Maximum Used purchases only (excludes refinances on existing MEFCU loans) |
12-36 mo. - 5.75% 37-48 mo. - 6.25% 49-60 mo. - 6.50% 61-72 mo. - 7.00% 73-84 mo. - 7.50% 85-96 mo. - 7.75% |
| Boat Loans (New or Used) |
Up to 60 months - No minimum - No Maximum 61-96 months - minimum $16,000.00 - No Maximum New purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. - 4.24% 25-48 mo. - 4.74% 49-60 mo. - 5.24% 61-84 mo. - 5.74% 85-96 mo. - 6.24% 97-120 mo. - 6.74% 121-180 mo. - 6.99% |
| RV Camping Trailers / Motorhome (New or Used) |
Term determined by amount
borrowed New purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. - 4.24% 25-48mo. - 4.74% 49-60 mo. - 5.24% 61-84 mo. - 5.74% 85-96 mo. - 6.24% 97-120 mo. - 6.74% 121-180 mo. - 6.99% |
| Tractor / Heavy Equipment (New or Used) |
Term determined by amount
borrowed New purchases only (excludes refinances on existing MEFCU loans) |
12-24 mo. – 7.00% 25--72 mo. - 8.00% 73-96 mo. - 9.00% 97-180 mo. - 10.00% |
| Share Secured Loans | To balance of Share Account: Up to 60 mo. - No min. - Max. $25,000.00 61-120 mo. Min. $25,00.00 - Max. $50,000.00 |
12-60 mo. - 3.50% 61-120 mo. - 5.50% |
| Certificate Secured | Max. Term 3 yrs - Term to Maturity Date(Remaining term
of certificate) No maximum (certificate must be equal to or greater than amount borrowed) |
4.00% |
Rates Declared as of December 1, 2024.
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
Please call for quote. Loan rates and terms subject to change without notice.