(716) 634-3881      6470 Main Street, Suite 5 Amherst, NY 14221

BLACK FRIDAY LOAN SALE!
DISCOUNTS ON ALL LENDING SERVICES!

It’s finally here, our biggest loan sale of the year! For one week only, take advantage of competitive sale rates on all of our in-house lending services. That includes discounts on Auto Loans, Personal/Unsecured Loans, Home Equity Lines of Credit.

This offer featuring our lowest rates in over two years is only valid from November 24, 2025 through December 1, 2025. Apply now to lock in your sale rate before it’s too late.

If you would like a rate quote, payment calculation, or any additional information please call our office at 716-634-3881.


Click here to apply

All Car Loan rates are 1.25% APR off!

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New Auto Loans:

  • As low as 3.24% APR
  • Vehicles 2024* - 2026
  • Terms up to 84 months
  • Includes motorcycles, dealer & private sales, refinancing, lease buyouts
  • *Must be under 10,000 miles

Used Auto Loans:

  • As low as 3.74% APR
  • Vehicles 2015 - 2024
  • Terms up to 84 months (dependent on age of vehicle)
  • Includes motorcycles, dealer & private sales, refinancing, lease buyouts

Recreational Vehicle Loans:

  • As low as 5.74% APR
  • Vehicles 2009-2026
  • Terms up to 180 months (dependent on age of vehicle)
  • Includes dealer & private sales, and refinancing

Clasic Car Loans:

  • As low as 5.74% APR
  • Vehicles 2005 and older
  • Terms up to 60 months
  • Includes dealer & private sales, and refinancing

All Home Equity Line of Credit rates are 1.50% APR off!

Click to apply!

Fixed HELOC:

  • Rate of 6.00% APR
  • Up to 15 year term
  • Amounts $10,000 - $200,000
  • No application fees, no closing costs (HELOC must stay open at least 3 years)

Variable HELOC:

  • Rate of 5.50% APR(may change 2x/year)
  • Up to 15 year term
  • Amounts $10,000 - $200,000
  • No application fees, no closing costs (HELOC must stay open at least 3 years)

Mini HELOC:

  • Rate of 5.75% APR
  • 3-5 year term
  • Amounts $1,000 - $30,000
  • No application fees, no closing costs

All Personal/Unsecured Loan rates are 1.25% APR off!

Click to apply!

Personal Loans:

  • As low as 7.74% APR
  • Terms up to 60 months
  • Amounts up to $12,000
  • Must be a member of at least 6 months in good standing

If you are viewing this page after the promotional period has ended, click here to view our current rates.

Current Rates

Become a Member

Become a member (and owner) by completing a brief membership form at the Amherst FCU office, 6470 Main Street, Suite 5, Amherst NY 14221. All you need is your photo ID & $6.00! Be sure to bring your most recent pay stubs to accompany your loan application. *APR represents Annual Percentage Rate. Amherst FCU membership required to process application. All applications are subject to approval. Interest rates are based on loan term and credit qualifications. Promotion valid through December 1, 2025. Please call AFCU at 634-3881 for details.