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Loan Rates

With a name like Great Erie, you better believe our goal is to offer great rates that make all our loans a lot more affordable.

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Updated 12/19/24

Our Great Rates!

Prime Rate is 7.50%.

*APR = Annual Percentage Rate. All rates quoted and listed are APR (Annual Percentage Rate).

All loans are subject to approval, and rates may vary from those listed based on term and credit qualifications.

Rates shown reflect Direct Deposit & Autopay. Call for additional model year rates.

Pay us less. Keep more for yourself.

Lower rates mean reduced interest charges. And that helps control your monthly payments when you come to us for mortgages, auto financing, home equity lines, credit cards, and other types of loans.

New/Used Vehicles

Term	APR* for New/Used Model Years 2024-2025	APR* for Used Model Years 2019-2023
Up to 24 Months	3.49%*	3.99%*
Up to 36 Months	3.99%*	4.49%*
Up to 48 Months	4.49%*	4.99%*
Up to 60 Months	4.99%*	5.49%*
Up to 72 Months	5.49%*	5.99%*
Up to 84 Months	6.24%*	6.74%*

RV/Boat Fixed Rate

Term	APR as low as
Up to 24 Months	5.29%*
Up to 36 Months	5.49%*
Up to 48 Months	5.74%*
Up to 60 Months	6.04%*
Up to 72 Months	6.39%*
Up to 120 Months	6.89%*
Up to 180 Months	7.49%*

Unsecured Loans

Term	APR as low as
Up to 24 Months	8.74%*
Up to 36 Months	9.04%*
Up to 48 Months	9.24%*
Up to 60 Months	9.74%*
Up to 72 Months	10.04%*

VISA Credit Card

Term	APR as low as
Platinum/Great Rate Card	8.90%*
Classic/Great Rewards Card	11.90%*

DrivingSense Auto Finance Option

Term	APR as low as
New Auto	5.24%*
Used Auto	5.74%*

HELOC (5 Year Fixed)

Term	APR as low as
80% LTV	Contact our Lending Dept. for Rates
85% LTV	Contact our Lending Dept. for Rates

Home Equity Loans

Term	APR as low as
80% LTV	Contact our Lending Dept. for Rates
85% LTV	Contact our Lending Dept. for Rates

Share Secured

Term	APR as low as
Share Secured	Call for more Details and Information (716)662-1311, Option #6

Great Erie Federal Credit Union is a full-service credit union serving the Buffalo and Erie County area including Hamburg, West Seneca, Orchard Park and East Aurora, New York.