Loans
Loans
Rates you’ll love, service you can trust
Discover peace of mind with loan services tailored to fit your needs. Whether you’re dreaming of a new car, planning a home renovation, or seeking financial flexibility, our range of competitive loan options and top notch support will guide you toward your goals.
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!
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.
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.
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.
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 Sale | Term | APR* | Term | APR* |
|---|---|---|---|---|
| New 2024-25 | 72 Months | 5.75% | 84 Months | 6.25% |
| Used | Up to 72 Months | 6.75% | ||
| Classic Car | 60 Months | 8.00% |
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 Type | Term | APR* |
|---|---|---|
| Home Equity | 5 Years | 6.75% |
| 10 Years | 7.00% | |
| 15 Years | 7.25% | |
| 20 Years | 7.50% |
| Loan Type | Term | APR* |
|---|---|---|
| Home Improvement | 5 Years | 8.50% |
| (Light on Equity) | 10 Years | 8.75% |
| 15 Years | 9.00% |
| Loan Type | Term | APR* |
|---|---|---|
| Mobile Home – 2022 or Older | 10 Years | 10.50% |
| 2024-23 | 15 Years | 10.25% |
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 Type | Model Year | Term | APR* |
|---|---|---|---|
| Boat, Camper, Travel Trailer | 2024-23 | 180 Months | 7.25% |
| Maximum of $80,000.00 | 2022-21 | 180 Months | 7.50% |
| 2020 | 180 Months | 7.75% | |
| 2019 and older | 120 Months | 8.00% | |
| Motor Home | 180 Months | 8.25% | |
| Up to 80% of the invoice. | 120 Months | 9.00% | |
| Motorcycles, Jet Ski, Snowmobile | 2024-23 | 72 Months | 9.25% |
| 2022 and older | 60 Months | 9.50% |
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 Type | Term | APR* |
|---|---|---|
| Share Secured | 72 Months | 3.50% |
| Personal (Max $15,000) | 72 Months | 10.25% |
| Consolidation (Max $30,000) | 72 Months | 12.00% |
| 84 Months | 12.25% | |
| Tractor, Plow, Lawn, Etc. | 72 Months | 9.25% |
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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