--- title: "Western New York Credit Union Rates (Nov 2026): Mortgage 7.15%" description: "Western New York Credit Union rates today: 30 year fixed mortgage 7.15% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Western New York Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/western-new-york" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Western New York Credit Union Rates (Nov 2026): Mortgage 7.15% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.154% APR | 7.000% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.551% APR | 6.875% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.555% APR | 7.125% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.095% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 7.249% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.328% APR | 7.125% | — | Standard | Western New York Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans as low as** auto | — APR | 3.990% | — | Standard | | **RV Loans as low as** rv | — APR | 6.250% | — | Standard | | **RV/Boat/ATV/Tractor (36 Months)** rv_any_36mo | — APR | 6.250% | 36 mo | Standard | | **RV/Boat/ATV/Tractor (60 Months)** rv_any_60mo | — APR | 7.250% | 60 mo | Standard | | **RV/Boat/ATV/Tractor (72 Months)** rv_any_72mo | — APR | 7.500% | 72 mo | Standard | | **RV/Boat/ATV/Tractor (84 Months)** rv_any_84mo | — APR | 7.750% | 84 mo | Standard | | **RV/Boat/ATV/Tractor (120 Months)** rv_any_120mo | — APR | 8.250% | 120 mo | Standard | | **RV/Boat/ATV/Tractor (180 Months)** rv_any_180mo | — APR | 8.750% | 180 mo | Standard | Western New York Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loans as low as** personal_unsecured | — APR | 8.750% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.000% | — | Standard | Western New York Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Certificate** cd_36mo | — APY | 3.40% | 36 mo | Standard | | **Jumbo Term Share (Certificate) Rates (36 Month)** cd_36mo | — APY | 3.45% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.50% | 24 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.50% | 18 mo | Standard | | **Jumbo Term Share (Certificate) Rates (24 Month)** cd_24mo | — APY | 3.55% | 24 mo | Standard | | **Jumbo Term Share (Certificate) Rates (18 Month)** cd_18mo | — APY | 3.55% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.75% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.75% | 12 mo | Standard | | **Jumbo Term Share (Certificate) Rates (6 Month*)** cd_6mo | — APY | 3.80% | 6 mo | Standard | | **Jumbo Term Share (Certificate) Rates (12 Month)** cd_12mo | — APY | 3.80% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.99% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.24% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.74% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.24% | 72 mo | Standard | Western New York Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Western New York Credit Union offers a 30-year fixed mortgage at 7.154% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/western-new-york) , verified from [Western New York Credit Union's official website](https://wnyfcu.com/) Best product position **Better than the New York median** 30-year fixed mortgage Gap to state best **62 bp** 62 bp from state best Vs. state median **7 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.15% | Better than the New York median | 62 bp from state best | 7 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Western New York 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=western-new-york&state=new-york&code=NY&name=Western%20New%20York%20Credit%20Union) Loading branch locator… ## About Western New York Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 8.8K Assets $93.1M Founded 1964 Locations reported 1 NCUA charter 16042 Charter type Federal credit union ### Services and member support - Online membership application - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - 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. [**Financial Trust** west seneca · West Seneca · NY · 14224 About 0.4 miles away](https://rateapi.dev/credit-unions/new-york/financial-trust) [**Cadets** CADETS FEDERAL CREDIT UNION · ELMA · NY · 14059-9687 About 3.1 miles away](https://rateapi.dev/credit-unions/new-york/cadets) [**Crossroads Community** Main - 3031 William Street · Cheektowaga · NY · 14227 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/crossroads-community) [**Buffalo Conrail** Buffalo Conrail FCU · Cheektowaga · NY · 14206 About 3.7 miles away](https://rateapi.dev/credit-unions/new-york/buffalo-conrail) [**Empire One** Main Office · Cheektowaga · NY · 14206 About 3.7 miles away](https://rateapi.dev/credit-unions/new-york/empire-one) [**Local 41 I.b.e.w.** Local 41 IBEW FCU · Orchard Park · NY · 14127 About 4.0 miles away](https://rateapi.dev/credit-unions/new-york/local-41-ibew) 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 Western New York Credit Union Membership eligibility from Western New York Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Western New York Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $25. Verified from [Western New York Credit Union's membership page](https://wnyfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Western New York 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 Western New York Credit Union? Yes No ## Work at Western New York 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 Western New York Credit Union ranks against New York peers. - See which AI assistants fetched Western New York 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=western-new-york&state=new-york&code=NY&name=Western%20New%20York%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Western New York Credit Union offer? Western New York Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Western New York Credit Union rates updated? RateAPI verifies Western New York 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 Western New York Credit Union's rate data? Rate data is collected directly from Western New York 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 Western New York Credit Union's mortgage rate? As of November 12, 2026, Western New York Credit Union offers a 30-year fixed mortgage at 7.154% APR. ### Who can join Western New York Credit Union? Western New York Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Western New York Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Western New York Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://wnyfcu.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 Western New York 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 Western New York Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /western-new-york " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Western New York 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/western-new-york Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp