Financing For Every Stage of Life

Financing For Every Stage of Life

Amherst Federal Credit Union is committed to providing a wide range of services specifically to serve the diverse needs of the community in Amherst, NY and the greater Buffalo, NY area.

Apply for a Loan

New and used cars

*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. *** Prime rate is 6.75% effective 12/11/2025 as published in the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE that can apply is 18% or the maximum permitted by law, whichever is less.

Loan Rates


Loan TypeAPR*
New autoAs low as 2.99%
Used autoAs low as 3.49%
Recreational vehiclesAs low as 5.49%
Classic vehiclesAs low as 5.49%
Share Secured Loans1.00% lower than our lowest interest rate
Unsecured LoansAs low as 8.99%
Mini Equity Fixed Rate Line of Credit7.00%
Home Equity Variable Rate Line of Credit***6.75%
Home Equity Fixed Rate Line of Credit7.25%
Visa® Platinum (max $15,000.00)8.95%