Auto Loans · Niagara Falls, New York
5 credit unions in Niagara Falls report car loan rates to the NCUA. Rates range from 1.74% to 5.18%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
1.74%
Lowest New Car Rate
3.79%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NIAGARA'S CHOICE ★ 3.3 · 49 reviews | 1.74% | 4.70% |
| 2 | ENCOMPASS NIAGARA ★ 3.1 · 16 reviews | 2.70% | 4.99% |
| 3 | GREATER NIAGARA ★ 4.2 · 52 reviews | 4.39% | 6.03% |
| 4 | NIAGARA FALLS TEACHERS ★ 4.8 · 5 reviews | 4.92% | 11.71% |
| 5 | NIAGARA FALLS A F ★ 4.0 · 7 reviews | 5.18% | 7.36% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NIAGARA'S CHOICE ★ 3.3 · 49 reviews | 4.70% | 1.74% |
| 2 | ENCOMPASS NIAGARA ★ 3.1 · 16 reviews | 4.99% | 2.70% |
| 3 | GREATER NIAGARA ★ 4.2 · 52 reviews | 6.03% | 4.39% |
| 4 | SAINT JOHN A M E ★ 4.7 · 7 reviews | 7.08% | — |
| 5 | NIAGARA FALLS A F ★ 4.0 · 7 reviews | 7.36% | 5.18% |
| 6 | NIAGARA FALLS TEACHERS ★ 4.8 · 5 reviews | 11.71% | 4.92% |
A pre-approval from a Niagara Falls credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Niagara Falls in the same window and take the best offer.
See member reviews, branch locations, and full rate details.