--- title: "Buffalo Metropolitan Credit Union Rates (Nov 2026): CDs to 3.71%" description: "Buffalo Metropolitan Credit Union rates today: savings & CDs up to 3.71% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Buffalo Metropolitan Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/buffalo-metropolitan" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Buffalo Metropolitan Credit Union Rates (Nov 2026): CDs to 3.71% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Newer Auto (2025 & newer) purchased or refinanced from another lender** auto | — APR | 4.700% | — | Standard | | **New Auto (2024) purchased or refinanced from another lender** auto_new | — APR | 4.740% | new | Standard | | **Used Auto (2022 & 2023) purchased or refinanced from another lender** auto_used | — APR | 4.990% | used | Standard | | **Used Auto (2021 & older) purchased or refinanced from another lender** auto_used | — APR | 5.700% | used | Standard | | **New RV, Boat & Leisure Vehicles (2025 & newer)** rv_new | — APR | 5.900% | new | Standard | | **Used RV, Boat & Leisure Vehicles (2024 & older)** rv_used | — APR | 6.490% | used | Standard | Buffalo Metropolitan Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | Buffalo Metropolitan Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan** personal_secured | — APR | 5.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.000% | — | Standard | Buffalo Metropolitan Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 7.500% | — | Standard | Buffalo Metropolitan Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Money Market Accounts (MMAs) 1** money_market | — APY | 0.50% | — | Standard | | **Money Market Accounts (MMAs) 1** money_market | — APY | 0.75% | — | Standard | | **Money Market Accounts (MMAs) 1** money_market | — APY | 0.85% | — | Standard | | **Money Market Accounts (MMAs) 1** money_market | — APY | 1.00% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 1.51% APY | 1.50% | 6 mo | Standard | | **12 Months (One Year)** cd_12mo | 2.00% APY | 2.00% | 12 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 2.14% APY | 2.15% | 18 mo | Standard | | **24 Months (Two Years)** cd_24mo | 2.23% APY | 2.25% | 24 mo | Standard | | **36 Months (Three Years)** cd_36mo | 2.44% APY | 2.50% | 36 mo | Standard | | **IRAs** ira | — APY | 2.50% | — | Standard | | **48 Months (Four Years)** cd_48mo | 2.87% APY | 3.00% | 48 mo | Standard | | **9-Month Certificate** cd_9mo | 3.00% APY | 2.99% | 9 mo | Standard | | **60 Months (Five Years)** cd_60mo | 3.71% APY | 4.00% | 60 mo | Standard | Buffalo Metropolitan Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Treat Yourself Loan** other | — % | 9.000% | — | Standard | Buffalo Metropolitan Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.71% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/buffalo-metropolitan) , verified from [Buffalo Metropolitan Credit Union's official website](https://www.bflometrocu.org/) Loading branch locator… ## About Buffalo Metropolitan Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.3K Assets $145.2M Founded 1937 Locations reported 1 NCUA charter 2209 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans I 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. [**Erie County Employees** Erie County Employees Credit Unio · Buffalo · NY · 14202-3927 About 0.2 miles away](https://rateapi.dev/credit-unions/new-york/erie-county-employees) [**Great Erie** Downtown Office · Buffalo · NY · 14202 About 0.5 miles away](https://rateapi.dev/credit-unions/new-york/great-erie) [**Broadview** Buffalo · Buffalo · NY · 14202 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**Morton Lane** ROSWELL PARK · Buffalo · NY · 14263-0001 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/morton-lane) [**Kaleida Health** Buffalo General Office · Buffalo · NY · 14203-1126 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/kaleida-health) [**Ukrainian** Buffalo Branch · Buffalo · NY · 14204 About 1.5 miles away](https://rateapi.dev/credit-unions/new-york/ukrainian) 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 Metropolitan Credit Union Membership eligibility from Buffalo Metropolitan Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Buffalo Metropolitan Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Erie — NY Verified from [Buffalo Metropolitan Credit Union's membership page](https://www.bflometrocu.org/) . Final membership determination is always made by the credit union. ## Membership rules for Buffalo Metropolitan Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Erie County, 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) 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 Metropolitan Credit Union? Yes No ## Work at Buffalo Metropolitan 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 Metropolitan Credit Union ranks against New York peers. - See which AI assistants fetched Buffalo Metropolitan 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-metropolitan&state=new-york&code=NY&name=Buffalo%20Metropolitan%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Buffalo Metropolitan Credit Union offer? Buffalo Metropolitan Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Buffalo Metropolitan Credit Union rates updated? RateAPI verifies Buffalo Metropolitan Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Buffalo Metropolitan Credit Union's rate data? Rate data is collected directly from Buffalo Metropolitan Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Buffalo Metropolitan Credit Union's best CD rate? As of November 12, 2026, Buffalo Metropolitan Credit Union offers savings and certificate (CD) yields up to 3.71% APY. ### Who can join Buffalo Metropolitan Credit Union? Buffalo Metropolitan Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Buffalo Metropolitan Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Buffalo Metropolitan 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://www.bflometrocu.org/) ### 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 Metropolitan 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 Metropolitan Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /buffalo-metropolitan " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Buffalo Metropolitan 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-metropolitan Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp