BSCU Loan Rates

Apply online here for new or used auto, boat, RV and motorcycle loans, Visa® Credit Card, Overdraft Line of Credit, Share Secured and personal loans.

Loan Rates Effective 1/01/2018
Rates subject to change without notice.
LOAN TYPE APR* as low as DETAILS

New & Used Cars and Trucks

up to 60 months 2.25%
6172 months 3.25%
7384 months 3.75%*

New • Used • Refinanced from another lender
Used vehicle financed at NADA Retail Book Value, plus taxes

New and Used Recreational Vehicles
(Boats, Motorcycles, RV’s)

up to 36 months 3.00%
37 – 60 months 4.00%

61 – 72 months 4.50%
73 – 120 months 5.00%

New • Used • Refinanced from another lender
Used vehicle financed at NADA Retail Book Value, plus taxes

Share Secured The rate is 2% above Annual Percentage Yield  
Home Equity Line of Credit** up to 240 months Call Credit Union for details or click here
Fixed Rate Home Equity Loan**

up to 60 months 4.00%
61 – 120 months 5.00%
121 – 180 months 6.00%

Call Credit Union for details or click here

MINI Equity**

up to 60 months 5.00%
61 – 120 months 6.00%

Loan maximum $25,000
Loan minimum $5,000

Unsecured Personal Loan

up to 36 months 7.75%
37 – 60 months 9.00%


Loan Maximum $15,000




Visa® Credit Card 10.50%

Maximum line $15,000

No balance transfer fee, over the limit or late fee, and no annual fee.

Overdraft Line of Credit 11.50% Maximum line $3,000
At 2.25% with a 60-month term, you would make 60 monthly payments of $17.64 per $1,000 of the loan. Please use calculators provided for specific monthly payment estimates.

** The credit union will take a security interest in the property purchased or pledged as collateral.
*For 73 – 84 month auto loan, there is a $25,000 minimum loan for vehicles 2013 or newer. Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant.
Rates are subject to change without notice. Other rates, terms, fees or conditions may apply. Current BSCU loans are not eligible for rate refinancing.

Buffalo Service Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 716-842-1320.
All products and services available on this website are available at all BSCU branches.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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