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Loan Rates

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 - April 1, 2024


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, Boat, RV & Motorcycle
Up to 36 months
5.49%

37 to 72 months
6.49%
Used Auto, Boat, RV & Motorcycle
Up to 36 months
5.99%

37 to 60 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
For current rates & terms visit 
* - 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.


Remember, there is more to a loan than the rate!