(716) 877-1630
The Kenmore Teachers Federal Credit Union offers some of the BEST rates in Western New York.
Check out current Loan Specials on our What's New page.
Rates Effective - September 1, 2025
LOAN TYPE* |
TERM |
APR** |
| Personal Loans |
Up to 12 months
|
8.00%
|
|
|
13 to 36 months
|
8.25%
|
|
|
37 to 60 months
|
8.50%
|
| New Auto & Motorcycle |
Up to 36 months
|
5.49%
|
|
37 to 72 months
|
6.49%
|
|
| Used Auto & Motorcycle |
Up to 36 months
|
5.99%
|
|
37 to 60 months
|
6.99%
|
|
| New Boat, RV & Camper
|
Up to 120 Months
|
6.49%
|
| Used Boat, RV & Camper
|
Up to 84 Months
|
6.99%
|
| Lease Buyout |
Same Rates as Above
|
|
| Auto Transfer Loan*** |
Same Rates as Above
|
|
| Share Secured Loans |
Up to 12 months
|
2.00%
|
|
|
13 to 36 months
|
2.50%
|
|
|
37 to 60 months
|
3.00%
|
| UnLOCk Personal Line-of-Credit |
Not Applicable
|
5.99%
|
| Visa Credit Card |
Not Applicable
|
9.50%
|
| Debit Card LOC Loan |
Not Applicable
|
12.50%
|
| Mini Home Equity Loan |
Up to 72 months
|
Call for a rate
|
| Fixed Rate Home Equity Loan |
Up to 180 months
|
Call for a rate
|
| Home Equity Line-of-Credit Loan |
Up to 180 months
|
Call for a rate
|
| First Mortgages - Owners Choice Funding | ||
| * - All Credit Union loan programs, rates, terms and conditions are subject to change without notice. All loans are subject to approval. To apply for a loan, you may submit an application from our website, download an application and submit it via email or in person, or stop by the Credit Union for a paper application. In most cases your loan wil be approved within 24-hours. | ||
| ** - APR = the Annual Percentage Rate. All rates quoted and listed are APR. | ||
| *** - We will refinance the remaining balance and term. | ||