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  • Phone: 716-854-3714

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  • Loans

    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.

    Overdraft Lines of Credit

    The overdraft lines of credit are attached to a Share Draft Account. The minimum amount is $500 and maximum amount is $2,500. Lines of Credit can be attached to your MasterCard Debit Card and it is better than a credit card, no annual fee!

    Variable Lines of Credit

    The variable lines of credit do not require a Share Draft Account. Amounts up to $15,000, depending on credit score and debt to income ratio. Have a share draft? Attach it to your Share Draft Account and your MasterCard Debit Card and it is better than a credit card, no annual fee!

    Credit Builder Loans

    We work with you to help build/rebuild your credit. The loan money is put into a share account that you can’t touch until certain payment levels are met. Rate is prime + 3, so 6.25% currently.

    Collection Reduction Loan

    Designed to assist members in paying off collection account and the lowest balance is paid off first.

    Home Equity Line of Credit

    Secured by your primary residence. We are first or second mortgage. Borrow up to 80% of your home’s value, less any other mortgages/lines secured by the home. Rate is prime + 0.50, so 3.75% currently.

    Pay Day Alternative Loan (PAL)

    Don’t pay 400% plus in interest by taking a quick pay day loan. We have short-term loans as low as 10.20% for up to 3 months. Our highest rate on this loan is 24.24%

    Mortgages and refinances

    We partner with OwnersChoice for mortgages and refinances. For current mortgage rates, please visit

    Student Loans

    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.

  • - Competitive interest rates
  • - Multiple repayment options
  • - No origination fees; no prepayment penalty1

  • 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

    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 January 1, 2023
    Loan Type:Terms:Annual Percentage Rate*
    New Vehicle Up to 60 months As low as 2.85%
    New Vehicle Up to 72 months As low as 3.35%
    New Vehicle Up to 84 months As low as 3.85%
    Used Vehicle Up to 60 months As low as 2.85%
    Used Vehicle
    2020 model year or newer
    Up to 72 months As low as 3.35%
    Apply for a Loan
    New Recreational Vehicle Up to 60 months As low as 3.85%
    New Recreational Vehicle Up to 72 months As low as 4.35%
    New Recreational Vehicle Up to 84 months As low as 4.85%
    Used Recreational Vehicle Up to 60 months As low as 3.85%
    Used Recreational Vehicle Up to 72 months As low as 4.35%
    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 7.05%
    Up to 24 months As low was 8.05%
    Up to 36 months As low was 9.05%
    Up to 48 months As low was 10.05%
    Up to 60 months As low was 11.05%
    Apply for a Loan
    Agricultural Equipment
    Amounts up to $50,000, depending on credit score and debt to income ratio.
    As low as 4.85%
    Overdraft Lines of Credit 14.90%
    Variable Lines of Credit As low as 14.45%
    Share Secured
    Secured by shares in your IRS Buffalo FCU Account.
    Certificate Secured
    Secured by shares in your certificate account at IRS Buffalo FCU.
    As low as 2.25%

    *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.

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