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LOAN RATES
Auto (2007 & newer)
APR as low as 4.74%.
Rates are based on your credit history and term.
"As low as" APR quoted above includes a discount of .25% for loans set up as automatic transfers from your credit union account. Rates shown in table below are base rates and do not include discounts.
Auto
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2007 and newer
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36 months
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4.99% - 16.50%
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37-60 months
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4.99% - 16.50%
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61-72 months
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5.25% - 17.50%
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73-84 months
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6.00% - 18.00%
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Rates effective September 21, 2009.
Call (716) 372-6607 to apply.
Auto (2004 - 2006)
APR as low as 5.00%.
Rates are based on your credit history and term.
"As low as" APR quote d above includes a discount of .25% for loans set up as automatic transfers from your credit union account. Rates shown in table below are base rates and do not include discounts.
Auto
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2004 - 2006
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36 months
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5.25% - 17.25%
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37-60 months
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5.25% - 17.25%
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61-72 months
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5.50% - 18.00%
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A+, A, & B = max term is 72 months; C, D, & E = max term is 60 months.
Rates effective September 21, 2009.
Call (716) 372-6607 to apply.
Other Secured Loan
Flexible Terms.
APR as low as 7.50%.
Other Secured Loan
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Rates
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36 months
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7.75% - 17.99%
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37-60 months
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8.25 - 17.99%
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over 60 months
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8.75 - 17.99%
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Rates include Autos 2003 and older.
Rates effective September 21, 2009.
Call (716) 372-6607 for available terms and to apply.
Unsecured Loan
APR as low as 9.9%.
Unsecured
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Rates
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up to 60 months
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9.90% - 17.99%
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over 60 months
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Call for rates
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Rates effective January 1, 2008.
Call (716) 372-6607 for available terms.
Line Of Credit
APR - 9.90% payment is 2% of outstanding balance.
Call (716) 372-6607 to apply.
APR: 9.90%
VISA Platinum Credit Card with Rewards
Low variable-rate, no annual fee VISA.
Variable rates as low as 9.75% APR
Call (716) 372-6607 to apply.
Ear one point for each dollar you spend and redeem for FREE Rewards.
Share Savings Secured
Flexible Terms
APR from 4.50% to 7.00% depending on term.
Call (716) 372-6607 for available terms and to apply.
Share Certificate Secured
APR is 2% above the Share Certificate rate.
Rate may change at Share Certificate maturity.
Call (716) 372-6607 to apply.
Mortgage Rates
Please call the Credit Union at (716) 372-6607 for current mortgage rates and available terms.
SHARE ACCOUNT RATES
Variable Rate Accounts
For all share accounts, except Share Certificates, the dividend rate may change after the account is opened.
Share Savings Account
Plateau Range
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Dividend Rate
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Annual
Percentage
Yield
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$300.00 - $9,999.99
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0.75%
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0.75%
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$10,000.00 - $24,999.99
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0.75%
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0.75%
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| $25,000.00 and over |
1.00%
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1.00%
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Dividend Rate Effective: 01/01/09.
Call for details (716) 372-6607.
Money Market Shares
$2,500 Minimum balance to open.
Plateau Range
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Dividend Rate
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Annual
Percentage
Yield
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| $2,500 - $9,999.99 |
1.00%
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1.00%
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| $10,000 - $24,999.99 |
1.24%
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1.25%
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| $25,000 - $49,999.99 |
1.49%
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1.50%
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| $50,000 - $99,999.99 |
1.49%
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1.50%
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| $100,000+ |
1.49%
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1.50%
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Dividend Rates Effective 09/01/09
Call (716) 372-6607 for details.
Share Draft Checking
$300.00 minimum balance for dividends (if dividends are currently being paid).
This fee could reduce the earnings on the account.
Call (716) 372-6607 for details.
Individual Retirement Account (IRA) Savings
Dividend Rate 2.00% Annual Percentage Yield 2.02%
Call for details (716) 372-6607.
Share Certificates
$500 Minimum
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Dividend Rate
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Annual
Percentage
Yield
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2 - 5 Months
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1.00%
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1.00%
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6 - 11 Months
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1.00%
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1.00%
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12 - 23 Months
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1.74%
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1.75%
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24 - 35 Months
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1.98%
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2.00%
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36 - 47 Months
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2.47%
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2.50%
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48 - 59 Months
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2.47%
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2.50%
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60 Months
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2.96%
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3.00%
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*25 Month Special 2.47% 2.50%
There may be a penalty for early withdrawal.
Dividend Rates effective 08/17/09.
Call for details (716) 372-6607.
*APR - Annual Percentage Rate
*APY - Annual Percentage Yield
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