--- title: "Amherst Credit Union: #1 Used Auto Loan in New York" description: "Amherst Credit Union has the lowest tracked used-car loan rate in New York (4.74% APR) among 44 credit unions we verify. Amherst Credit Union rates today: vehicle loans from 4.24% APR, HELOC from 7.00% APR, personal loans from 1.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Amherst Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/amherst" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Amherst Credit Union: #1 Used Auto Loan in New York ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.240% APR | 4.240% | new | Standard | | **Used Auto Loan** auto_used | 4.740% APR | 4.740% | used | Standard | | **Classic vehicles** auto | 6.740% APR | 6.740% | — | Standard | | **RV Loan** rv | 6.740% APR | 6.740% | — | Standard | Amherst Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.000% | — | Standard | Amherst Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 1.000% APR | 1.000% | — | Standard | | **Mini Equity Fixed Rate Line of Credit** ploc_variable | 5.750% APR | 5.750% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 8.990% APR | 8.990% | — | Standard | Amherst Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Visa® Platinum (max $15,000.00)** credit_card_platinum | 8.950% APR | 8.950% | — | Standard | Amherst Credit Union credit card rates as of November 13, 2026 Vehicle loans available from 4.24% APR. HELOC rates from 7% APR. Personal loan rates from 1% APR. Credit card rates from 8.95% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/amherst) , verified from [Amherst Credit Union's official website](https://amherstcu.com/) Best product position **#1 of 44** used-car loan Gap to state best **0 bp** State market leader Vs. state median **138 bp better than median** used-car loan Products ranked **4** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.24% | Better than the New York median | 25 bp from state best | 125 bp better than median | | used-car loan | 4.74% | #1 of 44 · lowest in New York | State market leader | 138 bp better than median | | HELOC | 7.00% | Room to improve vs. the New York median | 175 bp from state best | 51 bp behind median | | personal loan | 1.00% | #1 of 96 · lowest in New York | State market leader | 799 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Amherst Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=amherst&state=new-york&code=NY&name=Amherst%20Credit%20Union) Loading branch locator… ## About Amherst Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.9K Assets $42.5M Founded 1947 Locations reported 1 NCUA charter 5439 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Kaleida Health** Suburban Office · Williamsville · NY · 14221-3647 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/kaleida-health) [**Western Division** WILLIAMSVILLE · WILLIAMSVILLE · NY · 14221 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/western-division) [**The Summit** CLARENCE · East AMHERST · NY · 14051-1805 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/the-summit) [**Broadview** Clarence · Williamsville · NY · 14221 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Cornerstone Community** Getzville · Getzville · NY · 14068 About 3.1 miles away](https://rateapi.dev/credit-unions/new-york/cornerstone-community) [**Armstrong Co. Federal Emp.** Compusource · Amherst · NY · 14228-1148 About 3.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/armstrong-co-federal-emp) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Amherst Credit Union Membership eligibility from Amherst Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Amherst Credit Union's website. Check the membership page below to confirm whether you qualify. - Location erie — NY - Employer Amherst Federal Credit Union, Amherst Central School District, Barrett T.B., Inc., BBG North, LLC, Bornhava, Child and Family Services, Cleveland Hill School District, Dr. Candace Collards Office, Mark R. Comaratta, M.D., P.C., Definity Health, Del Monte Hair System and Day Spa, Densigraphix, ELN – The Employee Leasing Network, Employment Screening Services LLC, Erie I BOCES, JUAL Enterprises, The Legend Group, Meritian Health (NAHP), Musical Fare, National Equity Utility Services, Northeastern Appraisal Associates, People, Inc., Quality Quick Signs, Snyder Dental Group, PLLC, Snyder Volunteer Fire Department, Suburban Oral & Maxillofacial Surgery Associates, P.C., Suntreader, Inc., Travel Services, Troy & Banks, Inc., Vaspian - Association Buffalo Association of Insurance and Financial Advisors, Inc., Diocesan Elementary Teachers’ Association, Seneca Vocational HS Alumni Assoc - School The Buffalo Seminary, Canisius College, Canisius High School, Christian Central Academy, Cleveland Hill Students, Community Charter Schools, Daemen College, The Elmwood Franklin School, Kadimah School of Buffalo, Niagara Catholic High School, The Nichols School, The Park School of Buffalo, Prayer & Praise Academy, Stanley Falk School Verified from [Amherst Credit Union's membership page](https://amherstcu.com/about/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Amherst Credit Union Geography 1 county · Employers 30 · Associations 3 · Schools 14 · Family 3 71 published paths to membership, last verified August 27, 2026, quoted from Amherst Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Amherst, NY - Cheektowaga, NY - Depew, NY - Erie County, NY - West Seneca, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Erie County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 30 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Amherst Federal Credit Union “employees of this credit union” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Amherst Federal Credit Union - Employee of Amherst Central School District “Amherst Central School District” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Amherst Central School District - Employee of Barrett T.B., Inc. “Barrett T.B., Inc.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Barrett T.B., Inc. - Employee of BBG North, LLC “BBG North, LLC” > [source ↗](https://amherstcu.com/about/membership/) - Employee of BBG North, LLC - Employee of Bornhava “Bornhava” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Bornhava - Employee of Child and Family Services “Child and Family Services” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Child and Family Services - Employee of Cleveland Hill School District “Cleveland Hill School District” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Cleveland Hill School District - Employee of Dr. Candace Collards Office “Dr. Candace Collards Office” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Dr. Candace Collards Office - Employee of Mark R. Comaratta, M.D., P.C. “Mark R. Comaratta, M.D., P.C.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Mark R. Comaratta, M.D., P.C. - Employee of Definity Health “Definity Health” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Definity Health - Employee of Del Monte Hair System and Day Spa “Del Monte Hair System and Day Spa” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Del Monte Hair System and Day Spa - Employee of Densigraphix “Densigraphix” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Densigraphix - Employee of ELN – The Employee Leasing Network “ELN – The Employee Leasing Network” > [source ↗](https://amherstcu.com/about/membership/) - Employee of ELN – The Employee Leasing Network - Employee of Employment Screening Services LLC “Employment Screening Services LLC” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Employment Screening Services LLC - Employee of Erie I BOCES “Erie I BOCES” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Erie I BOCES - Employee of JUAL Enterprises “JUAL Enterprises” > [source ↗](https://amherstcu.com/about/membership/) - Employee of JUAL Enterprises - Employee of The Legend Group “The Legend Group” > [source ↗](https://amherstcu.com/about/membership/) - Employee of The Legend Group - Employee of Meritian Health (NAHP) “Meritian Health (NAHP)” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Meritian Health (NAHP) - Employee of Musical Fare “Musical Fare” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Musical Fare - Employee of National Equity Utility Services “National Equity Utility Services” > [source ↗](https://amherstcu.com/about/membership/) - Employee of National Equity Utility Services - Employee of Northeastern Appraisal Associates “Northeastern Appraisal Associates” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Northeastern Appraisal Associates - Employee of People, Inc. “People, Inc.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of People, Inc. - Employee of Quality Quick Signs “Quality Quick Signs” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Quality Quick Signs - Employee of Snyder Dental Group, PLLC “Snyder Dental Group, PLLC” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Snyder Dental Group, PLLC - Employee of Snyder Volunteer Fire Department “Snyder Volunteer Fire Department” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Snyder Volunteer Fire Department - Employee of Suburban Oral & Maxillofacial Surgery Associates, P.C. “Suburban Oral & Maxillofacial Surgery Associates, P.C.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Suburban Oral & Maxillofacial Surgery Associates, P.C. - Employee of Suntreader, Inc. “Suntreader, Inc.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Suntreader, Inc. - Employee of Travel Services “Travel Services” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Travel Services - Employee of Troy & Banks, Inc. “Troy & Banks, Inc.” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Troy & Banks, Inc. - Employee of Vaspian “Vaspian” > [source ↗](https://amherstcu.com/about/membership/) - Employee of Vaspian ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Buffalo Association of Insurance and Financial Advisors, Inc. “Buffalo Association of Insurance and Financial Advisors, Inc.” > [source ↗](https://amherstcu.com/about/membership/) - Member of Buffalo Association of Insurance and Financial Advisors, Inc. - Member of Diocesan Elementary Teachers’ Association “Diocesan Elementary Teachers’ Association” > [source ↗](https://amherstcu.com/about/membership/) - Member of Diocesan Elementary Teachers’ Association - Member of Seneca Vocational HS Alumni Assoc “Seneca Vocational HS Alumni Assoc” > [source ↗](https://amherstcu.com/about/membership/) - Member of Seneca Vocational HS Alumni Assoc ### Schools 14 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of The Buffalo Seminary “The Buffalo Seminary” > [source ↗](https://amherstcu.com/about/membership/) - Student at The Buffalo Seminary - Student of Canisius College (as written on the source page) “Canisius College” > [source ↗](https://amherstcu.com/about/membership/) - Student at Canisius College - Student of Canisius High School “Canisius High School” > [source ↗](https://amherstcu.com/about/membership/) - Student at Canisius High School - Student of Christian Central Academy “Christian Central Academy” > [source ↗](https://amherstcu.com/about/membership/) - Student at Christian Central Academy - Student of Cleveland Hill Students “Cleveland Hill Students” > [source ↗](https://amherstcu.com/about/membership/) - Student at Cleveland Hill Students - Student of Community Charter Schools “Community Charter Schools” > [source ↗](https://amherstcu.com/about/membership/) - Student at Community Charter Schools - Student of Daemen College Students “Daemen College” > [source ↗](https://amherstcu.com/about/membership/) - Student at Daemen College Students - Student of The Elmwood Franklin School “The Elmwood Franklin School” > [source ↗](https://amherstcu.com/about/membership/) - Student at The Elmwood Franklin School - Student of Kadimah School of Buffalo “Kadimah School of Buffalo” > [source ↗](https://amherstcu.com/about/membership/) - Student at Kadimah School of Buffalo - Student of Niagara Catholic High School “Niagara Catholic High School” > [source ↗](https://amherstcu.com/about/membership/) - Student at Niagara Catholic High School - Student of The Nichols School “The Nichols School” > [source ↗](https://amherstcu.com/about/membership/) - Student at The Nichols School - Student of The Park School of Buffalo “The Park School of Buffalo” > [source ↗](https://amherstcu.com/about/membership/) - Student at The Park School of Buffalo - Student of Prayer & Praise Academy “Prayer & Praise Academy” > [source ↗](https://amherstcu.com/about/membership/) - Student at Prayer & Praise Academy - Student of Stanley Falk School “Stanley Falk School” > [source ↗](https://amherstcu.com/about/membership/) - Student at Stanley Falk School ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family, household member “members of their immediate family or household” > [source ↗](https://amherstcu.com/about/membership/) - Family member (immediate family, household member) of a member - Family of a member spouse “also included are spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://amherstcu.com/about/membership/) - Family member (spouse) of a member - Family Of Deceased surviving spouse “also included are spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://amherstcu.com/about/membership/) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Amherst Credit Union? Yes No ## Work at Amherst Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Amherst Credit Union ranks against New York peers. - See which AI assistants fetched Amherst Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=amherst&state=new-york&code=NY&name=Amherst%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Amherst Credit Union offer? Amherst Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Amherst Credit Union rates updated? RateAPI verifies Amherst Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Amherst Credit Union's rate data? Rate data is collected directly from Amherst Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Amherst Credit Union's auto & rv loan rates? As of November 13, 2026, Amherst Credit Union offers vehicle loans from 4.24% APR. ### What is Amherst Credit Union's HELOC rate? As of November 13, 2026, Amherst Credit Union offers home equity lines of credit from 7% APR. ### What is Amherst Credit Union's personal loan rate? As of November 13, 2026, Amherst Credit Union offers personal loans from 1% APR. ### Who can join Amherst Credit Union? Amherst Credit Union publishes its membership criteria on its own website. RateAPI tracks 71 published membership paths covering 1 county, 30 employers, 3 associations and 14 schools for Amherst Credit Union, each quoted from Amherst Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Amherst Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://amherstcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Amherst Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Amherst Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /amherst " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Amherst Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/amherst Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp