--- title: "Buffalo Conrail Credit Union Rates - New York" description: "Current vehicle loan, personal loan, and savings & cd rates from Buffalo Conrail Credit Union in New York. Updated daily with source verification. See who can join Buffalo Conrail Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/buffalo-conrail" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Buffalo Conrail Credit Union Rates - New York ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans (84 Months)** auto_any_72mo | — APR | 5.250% | 72 mo | Standard | | **Auto Loans (Up to 72 Months)** auto_any_60mo | — APR | 5.750% | 60 mo | Standard | | **Auto Loans (Up to 60 Months)** auto_any_42mo | — APR | 6.000% | 42 mo | Standard | | **Auto Loans (Up to 42 Months)** auto_any_30mo | — APR | 6.250% | 30 mo | Standard | | **Boat, Camper, Travel Trailer** boat_any_180mo | — APR | 7.250% | 180 mo | Standard | | **Maximum of $80,000.00** auto_any_180mo | — APR | 7.500% | 180 mo | Standard | | **Motorcycles, Jet Ski, Snowmobile** motorcycle_any_72mo | — APR | 7.990% | 72 mo | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 8.500% | 60 mo | Standard | | **Motor Home** rv_any_180mo | — APR | 8.750% | 180 mo | Standard | | **Up to 80% of the invoice.** auto_any_120mo | — APR | 9.500% | 120 mo | Standard | | **Mobile Home - 2024 or Older** auto_used_120mo | — APR | 10.500% | 120 mo · used | Standard | Buffalo Conrail Credit Union auto & vehicle rates as of November 4, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **72-Month Share-Secured Loan** personal_secured_72mo | — APR | 3.000% | 72 mo | Standard | | **Home Improvement** personal_unsecured_60mo | — APR | 10.000% | 60 mo | Standard | | **Home Improvement (15 Years)** personal_unsecured_180mo | — APR | 10.250% | 180 mo | Standard | | **Home Improvement (10 Years)** personal_unsecured_120mo | — APR | 10.500% | 120 mo | Standard | | **Consolidation (Max $30,000)** personal_unsecured_72mo | — APR | 11.500% | 72 mo | Standard | Buffalo Conrail Credit Union personal loan rates as of November 4, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Additional Savings Account** savings | — APY | 0.50% | — | Standard | | **Christmas Club Account** savings | — APY | 0.50% | — | Specialty offer | | **Primary Savings Account** savings | — APY | 0.50% | — | Standard | | **$2,500.00** savings | — APY | 1.76% | — | Standard | | **$10,000.00** savings | — APY | 2.26% | — | Standard | | **$25,000.00** savings | — APY | 2.77% | — | Standard | | **$500** cd_6mo | — APY | 3.85% | 6 mo | Standard | | **Share Certificates (AKA CD) (12 Months)** share_certificate_12mo | — APY | 3.85% | 12 mo | Standard | | **Share Certificates (AKA CD) (6 Months)** share_certificate_6mo | — APY | 3.85% | 6 mo | Standard | | **Share Certificates (AKA CD) (9 Months)** share_certificate_9mo | — APY | 3.85% | 9 mo | Standard | | **Share Certificates (AKA CD) (18 Months)** share_certificate_18mo | — APY | 3.85% | 18 mo | Standard | Buffalo Conrail Credit Union savings & cd rates as of November 4, 2026 Buffalo Conrail Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/buffalo-conrail) , verified from [Buffalo Conrail Credit Union's official website](https://www.bufconfcu.com/) Loading branch locator… ## About Buffalo Conrail Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $59M Founded 1935 Locations reported 1 NCUA charter 845 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - 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. [**Empire One** Main Office · Cheektowaga · NY · 14206 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/empire-one) [**Ukrainian** Buffalo Branch · Buffalo · NY · 14204 About 2.5 miles away](https://rateapi.dev/credit-unions/new-york/ukrainian) [**Crossroads Community** Main - 3031 William Street · Cheektowaga · NY · 14227 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/crossroads-community) [**Morton Lane** ROSWELL PARK · Buffalo · NY · 14263-0001 About 3.0 miles away](https://rateapi.dev/credit-unions/new-york/morton-lane) [**Circuit** MAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/circuit) [**Kaleida Health** Buffalo General Office · Buffalo · NY · 14203-1126 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/kaleida-health) 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 Buffalo Conrail Credit Union Membership eligibility from Buffalo Conrail Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Buffalo Conrail Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad, Norfolk Southern, railroad, CSX, Amtrak, Conrail, Forest Materials, Bison Iron & Step, Transportation Resources, Rusiniak' s Service Inc - Association WNY Railway Historical Society, William Street Citizens & Taxpayers Protective Assn. - Place of worship Christ Verified from [Buffalo Conrail Credit Union's membership page](https://www.bufconfcu.com/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Buffalo Conrail Credit Union Employers 22 · Associations 2 · Places of worship · Family 26 published paths to membership, last verified November 8, 2026, quoted from Buffalo Conrail Credit Union’s own published criteria. ### Employers 22 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Norfolk Southern “The field of membership includes employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad and Norfolk Southern.” > [source ↗](https://www.bufconfcu.com/about-us/) - Employee of Norfolk Southern - Employee of CSX “Employees of CSX” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of CSX - Employee of Amtrak “Employees of Amtrak” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Amtrak - Employee of Conrail “Employees of Conrail” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Conrail - Employee of Forest Materials “Employees of Forest Materials” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Forest Materials - Employee of Bison Iron & Step “Employees of Bison Iron & Step” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Bison Iron & Step - Employee of Transportation Resources “Employees of Transportation Resources” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Transportation Resources - Employee of Rusiniak' s Service Inc “Employees of Rusiniak' s Service Inc” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Rusiniak' s Service Inc - Retired employee of CSX “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of CSX - Retired employee of Norfolk Southern “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Norfolk Southern - Retired employee of Amtrak “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Amtrak - Retired employee of Conrail “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Conrail - Retired employee of Forest Materials “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Forest Materials - Retired employee of Bison Iron & Step “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Bison Iron & Step - Retired employee of Transportation Resources “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Transportation Resources - Retired employee of Rusiniak' s Service Inc “Retirees from the above employment” > [source ↗](https://www.bufconfcu.com/member-application/) - Retiree of Rusiniak' s Service Inc - Employee of Norfolk Southern “Employees of Norfolk Southern” > [source ↗](https://www.bufconfcu.com/member-application/) - Employee of Norfolk Southern - Employee of Consolidated Rail Corporation (Conrail) “The field of membership includes employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad and Norfolk Southern.” > [source ↗](https://www.bufconfcu.com/about-us/) - Employee of Consolidated Rail Corporation (Conrail) - Employee of National Railroad Passenger Corporation (Amtrak) “The field of membership includes employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad and Norfolk Southern.” > [source ↗](https://www.bufconfcu.com/about-us/) - Employee of National Railroad Passenger Corporation (Amtrak) - Employee of CSXT Railroad “The field of membership includes employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad and Norfolk Southern.” > [source ↗](https://www.bufconfcu.com/about-us/) - Employee of CSXT Railroad - Employee of railroad “Our primary field of membership includes railroad employees, retirees, other SEG groups and their extended families.” > [source ↗](https://www.bufconfcu.com/about-us/) - Employee of railroad - Retired employee of railroad “Our primary field of membership includes railroad employees, retirees, other SEG groups and their extended families.” > [source ↗](https://www.bufconfcu.com/about-us/) - Retiree of railroad ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of WNY Railway Historical Society “Members of the WNY Railway Historical Society” > [source ↗](https://www.bufconfcu.com/member-application/) - Member of WNY Railway Historical Society - Member of William Street Citizens & Taxpayers Protective Assn. “Members of William Street Citizens & Taxpayers Protective Assn.” > [source ↗](https://www.bufconfcu.com/member-application/) - Member of William Street Citizens & Taxpayers Protective Assn. ### Places of worship 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of Christ (as written on the source page) “Members of Trinity United Church of Christ” > [source ↗](https://www.bufconfcu.com/member-application/) - Member of Christ ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member extended families “Our primary field of membership includes railroad employees, retirees, other SEG groups and their extended families.” > [source ↗](https://www.bufconfcu.com/about-us/) - Family member (extended families) of a member 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 Buffalo Conrail Credit Union? Yes No ## Work at Buffalo Conrail 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 Buffalo Conrail Credit Union ranks against New York peers. - See which AI assistants fetched Buffalo Conrail 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=buffalo-conrail&state=new-york&code=NY&name=Buffalo%20Conrail%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Buffalo Conrail Credit Union offer? Buffalo Conrail Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 4, 2026 directly from the credit union's official website. ### How often are Buffalo Conrail Credit Union rates updated? RateAPI verifies Buffalo Conrail Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 4, 2026. ### Where does RateAPI get Buffalo Conrail Credit Union's rate data? Rate data is collected directly from Buffalo Conrail Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Buffalo Conrail Credit Union? Buffalo Conrail Credit Union publishes its membership criteria on its own website. RateAPI tracks 26 published membership paths covering 22 employers, 2 associations and 1 places of worship for Buffalo Conrail Credit Union, each quoted from Buffalo Conrail Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Buffalo Conrail 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 personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://www.bufconfcu.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 Buffalo Conrail 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 Buffalo Conrail Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /buffalo-conrail " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Buffalo Conrail 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/buffalo-conrail Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp