Auto Loans · Orchard Park, New York
2 credit unions in Orchard Park report car loan rates to the NCUA. Rates range from 4.24% to 5.42%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.24%
Lowest New Car Rate
4.83%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | GREAT ERIE ★ 4.6 · 64 reviews | 4.24% | 5.99% |
| 2 | LOCAL 41 I.B.E.W. ★ 5.0 · 5 reviews | 5.42% | 5.04% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOCAL 41 I.B.E.W. ★ 5.0 · 5 reviews | 5.04% | 5.42% |
| 2 | GREAT ERIE ★ 4.6 · 64 reviews | 5.99% | 4.24% |
A pre-approval from a Orchard Park 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 Orchard Park in the same window and take the best offer.
See member reviews, branch locations, and full rate details.