IRS Buffalo Federal Credit Union offers a variety of loan products to members including new and used vehicle loans, recreational vehicle, signature loans, share secured, overdraft LOC, credit builder loans and others.
Be sure to visit your Credit Union first for all your lending needs!
If you would like to securely send us your loan application or proof of income, please visit the secure file sharing site.
Please send as a pdf, as we do not have the graphic programs to read screenshots.
For more information on our loan application and processing, click here.
We partner with OwnersChoice for mortgages and refinances. For current mortgage rates, please visit OwnersChoice Funding, Inc.
Whether you’re an undergraduate or graduate student, get money for school from Sallie Mae®. Student loans from IRS Buffalo FCU in partnership with Sallie Mae® could help!
Sallie Mae® higher education loans are designed for the needs of undergraduates and graduate students.
Smart Option Student Loan® for Undergraduate Students
Plus, the graduate loan suite is designed to meet
the needs of students in specific fields of study.
Find out which loan is right for you!
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for
college. Students and families should evaluate all anticipated monthly loan payments, and how much the student
expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. IRS Buffalo FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: These loans are for students at participating degreegranting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
Loan rates are based upon credit score. Car, RV etc. rates are also based upon age of the car and used cars NADA value also factors into determining the rate. Personal Loan rates are also based upon the length of the loan.
Car and Signature Loan rates listed below are subject to change and reflect a .25 discount for direct account transfers from your IRS Buffalo FCU account. Pre-approval is available and valid for 6 weeks from date of approval.
| Rates Effective as of October 1, 2024 | ||
| Loan Type: | Terms: | Annual Percentage Rate* |
|---|---|---|
| New Vehicle 2023 model year or newer |
Up to 24 months | As low as 9.00% |
| New Vehicle | Up to 36 months | As low as 9.15% |
| New Vehicle | Up to 48 months | As low as 9.30% |
| New Vehicle | Up to 60 months | As low as 9.45% |
| New Vehicle | Up to 72 months | As low as 9.60% |
| New Vehicle | Up to 84 months | As low as 9.75% |
| Used Vehicle | Up to 24 months | As low as 9.00% |
| Used Vehicle | Up to 36 months | As low as 9.15% |
| Used Vehicle | Up to 48 months | As low as 9.30% |
| Used Vehicle | Up to 60 months | As low as 9.45% |
| Used Vehicle |
Up to 72 months | As low as 9.60% |
| Apply for a Loan | ||
| New Recreational Vehicle | Up to 24 months | As low as 10.00% |
| New Recreational Vehicle | Up to 36 months | As low as 10.15% |
| New Recreational Vehicle | Up to 48 months | As low as 10.30% |
| New Recreational Vehicle | Up to 60 months | As low as 10.45% |
| New Recreational Vehicle | Up to 72 months | As low as 10.60% |
| New Recreational Vehicle | Up to 84 months | As low as 10.75% |
| Used Recreational Vehicle | Up to 24 months | As low as 10.00% |
| Used Recreational Vehicle | Up to 36 months | As low as 10.15% |
| Used Recreational Vehicle | Up to 48 months | As low as 10.30% | Used Recreational Vehicle | Up to 60 months | As low as 10.45% |
| Used Recreational Vehicle | Up to 72 months | As low as 10.60% |
| Apply for a Loan | ||
| Signature (Personal) Loans Amounts up to $25,000, depending on credit score and debt to income ratio. | Up to 12 months | As low was 11.45% |
| Up to 24 months | As low was 12.45% | |
| Up to 36 months | As low was 13.45% | |
| Up to 48 months | As low was 14.45% | |
| Up to 60 months | As low was 15.45% | |
| Apply for a Loan | ||
| Agricultural Equipment
Amounts up to $50,000, depending on credit score and debt to income ratio. |
As low as 11.00% | |
| Overdraft Lines of Credit | 14.90% | |
| Variable Lines of Credit | As low as 14.95% | |
| Share Secured Secured by shares in your IRS Buffalo FCU Account. |
2.90% | |
| Certificate Secured Secured by shares in your certificate account at IRS Buffalo FCU. |
As low as 2.80% | |
*The Credit Union has a loan rate policy which applies different loan rates, terms, and maximums to borrowers based upon the borrowers' past credit history. Advertised rates shown are our lowest rates. The loan rate applicable to you may vary from rates shown here. All rates are expressed as ANNUAL PERCENTAGE RATES (APR). Terms and limits are subject to change without notice.
