Phone: (716) 897-2383 • Email: memberservices@bufconfcu.com • Routing #: 222 079 440

Loans

Loans






Auto Loans


Rev up your car-buying experience with our hassle-free auto loans! We believe in transparency and savings, that’s why we don’t risk-rate, ensuring you save money and get the best deal. Drive away with confidence and peace of mind!


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Home Loans


Whether you’re tapping into your home’s equity or planning a renovation, Buffalo Conrail FCU is here to support your vision. With competitive rates and personalized terms, we make it easy to turn your house into the home of your dreams.


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RV and Boat Loans


We’re dedicated to helping you achieve your recreational dreams without breaking the bank. With competitive rates and flexible terms, you can set sail or hit the open road knowing you’ve secured a financing solution that fits your budget.


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Personal and Other Loans


Take charge of your financial future with a personal or consolidation loan! Whether you’re aiming to fund a dream project, cover the unexpected, or streamline multiple debts into one manageable payment, we’ve got you covered.


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View our current Loan Rate Sheet for a full list of rates.


Auto Loans

Unlock the keys to your dream car with our competitive auto financing options. Explore our flexible rates and terms tailored to fit your budget and drive away with confidence. Your journey starts here.


Auto Loan SaleTermAPR*TermAPR*
New 2023-2572 Months4.99%84 Months4.99%
UsedUp to 72 Months5.99%
Classic Car60 Months8.00%
New Car = 2023, 24, and 25 year models, less than or equal to 10,000 miles. Classic Cars subject to appraisal


View our current Loan Rate Sheet for a full list of rates.


Home Loans

Unlock the full potential of your home with our range of home loans, including flexible home equity and home improvement options.


Loan TypeTermAPR*
Home Equity5 Years6.00%
10 Years6.25%
15 Years6.50%
20 Years6.75%
Up to 80% of appraised value, less senior mortgages. Minimum of $15,000.00.
Loan TypeTermAPR*
Home Improvement5 Years8.50%
(Light on Equity)10 Years8.75%
15 Years9.00%
Maximum of $35,000.00. Up to 100% of appraised value, less senior mortgages.
Loan TypeTermAPR*
Mobile Home – 2022 or Older10 Years10.50%
2024-2315 Years10.25%
Up to 80% of the manufacturer’s invoice.


View our current Loan Rate Sheet for a full list of rates.


RV and Boat Loans

Explore competitive rates and flexible terms designed to make your journey carefree and enjoyable. Your ticket to the great outdoors awaits!


Loan TypeModel YearTermAPR*
Boat, Camper, Travel Trailer2024-23180 Months6.99%
Maximum of $80,000.002022-21180 Months7.25%
2020180 Months7.50%
2019 and older120 Months7.75%
Motor Home180 Months8.25%
Up to 80% of the invoice.120 Months9.00%
Motorcycles, Jet Ski, Snowmobile2024-2372 Months9.25%
2022 and older60 Months9.50%


View our current Loan Rate Sheet for a full list of rates.


Personal and Other Loans

Whether you’re pursuing a passion project or aiming to streamline your debts into a single, manageable payment, our competitive rates and flexible terms provide the support you need to achieve your goals and take control of your financial future.


Loan TypeTermAPR*
Share Secured72 Months3.50%
Personal (Max $15,000)72 Months10.25%
Consolidation (Max $30,000)72 Months12.00%
84 Months12.25%
Tractor, Plow, Lawn, Etc.72 Months9.25%


View our current Loan Rate Sheet for a full list of rates.


Loan Payments Made Easy


Online Transfers


Transfer funds from your Buffalo Conrail Account to your loan through Home Banking.


ACH Loan Payment


Skip writing a check with ACH Payments, and have your loan payment deducted from any deposit account at another financial institution.


By Mail or In Person


Drop a check in the mail, or visit the credit union to make a payment by check or cash.





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Buffalo Conrail Federal Credit Union 2024