Home Projects on your mind? Try our Mini Home Equity. Minimal paperwork and closing cost. Members are loving it!

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!