Cadets Credit Union

Elma, New York
Last verified: August 4, 2026
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Verified rate book

Current Cadets Credit Union rates

47 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

6 offers
Cadets Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Mortgages (10 Year)other6.000% APR6.000%—Standard
Mortgages (15 Year)other6.500% APR6.500%—Standard
10 Year Mortgageother7.000% APR7.000%—Standard
Mortgages (20 Year)other7.000% APR7.000%—Standard
12 Year Mortgageother7.500% APR7.500%—Standard
15 Year Mortgageother8.000% APR8.000%—Standard

Auto & vehicle rates

17 offers
Cadets Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month New Auto Loan (2025–2026)auto_new_36mo3.750% APR3.750%36 mo · newStandard
48-Month New Auto Loan (2025–2026)auto_new_48mo4.000% APR4.000%48 mo · newStandard
36-Month Used Auto Loan (2015–2025)auto_used_36mo4.250% APR4.250%36 mo · usedStandard
54-Month New Auto Loan (2025–2026)auto_new_54mo4.250% APR4.250%54 mo · newStandard
60-Month New Auto Loan (2025–2026)auto_new_60mo4.500% APR4.500%60 mo · newStandard
48-Month Used Auto Loan (2015–2025)auto_used_48mo4.500% APR4.500%48 mo · usedStandard
54-Month Used Auto Loan (2015–2025)auto_used_54mo4.750% APR4.750%54 mo · usedStandard
Recreational Loans (36-72 Month)powersports_any_72mo4.750% APR4.750%72 moStandard
66-Month New Auto Loan (2025–2026)auto_new_66mo4.750% APR4.750%66 mo · newStandard
60-Month Used Auto Loan (2015–2025)auto_used_60mo5.000% APR5.000%60 mo · usedStandard
66-Month Used Auto Loan (2015–2025)auto_used_66mo5.250% APR5.250%66 mo · usedStandard
72-Month New Auto Loan (2025–2026)auto_new_72mo5.250% APR5.250%72 mo · newStandard
78-Month New Auto Loan (2025–2026)auto_new_78mo5.500% APR5.500%78 mo · newStandard
84-Month New Auto Loan (2025–2026)auto_new_84mo5.750% APR5.750%84 mo · newStandard
72-Month Used Auto Loan (2015–2025)auto_used_72mo5.750% APR5.750%72 mo · usedStandard
78-Month Used Auto Loan (2015–2025)auto_used_78mo6.250% APR6.250%78 mo · usedStandard
84-Month Used Auto Loan (2015–2025)auto_used_84mo6.500% APR6.500%84 mo · usedStandard

HELOC rates

5 offers
Cadets Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
8-Year Home Equity Loanheloc6.000% APR6.000%—Standard
10-Year Home Equity Loanheloc6.250% APR6.250%—Standard
12-Year Home Equity Loanheloc6.500% APR6.500%—Standard
15-Year Home Equity Loanheloc6.750% APR6.750%—Standard
20-Year Home Equity Loanheloc7.000% APR7.000%—Standard

Personal loan rates

17 offers
Cadets Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
12/15 Month Short Term Loan (12 Month)personal_unsecured_12mo4.750% APR4.750%12 moStandard
12/15 Month Short Term Loan (15 Month)personal_unsecured_15mo5.000% APR5.000%15 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo5.000% APR5.000%24 moStandard
Home Improvement (60 Month)personal_unsecured_60mo6.000% APR6.000%60 moStandard
24-Month Debt Consolidation Loanpersonal_unsecured_24mo6.000% APR6.000%24 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo6.000% APR6.000%36 moStandard
Home Improvement (72 Month)personal_unsecured_72mo6.500% APR6.500%72 moStandard
36-Month Debt Consolidation Loanpersonal_unsecured_36mo7.000% APR7.000%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo7.000% APR7.000%48 moStandard
Home Improvement (84 Month)personal_unsecured_84mo7.000% APR7.000%84 moStandard
Home Improvement (96 Month)personal_unsecured_96mo7.500% APR7.500%96 moStandard
Home Improvement (108 Month)personal_unsecured_108mo8.000% APR8.000%108 moStandard
48-Month Debt Consolidation Loanpersonal_unsecured_48mo8.000% APR8.000%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo8.000% APR8.000%60 moStandard
Home Improvement (120 Month)personal_unsecured_120mo8.500% APR8.500%120 moStandard
60-Month Debt Consolidation Loanpersonal_unsecured_60mo9.000% APR9.000%60 moStandard
Revolving Open-End LOCpersonal9.000% APR9.000%—Standard

Savings & CD rates

1 offer
Cadets Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular Shares Used (10 Year Maximum Term) Certificate Used (Certificate Term)share_certificate_120mo4.50% APY4.50%120 moStandard

Other rates

1 offer
Cadets Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
25% Down Payment Requiredother25.000% %25.000%—Standard

As of August 4, 2026, Cadets Credit Union offers mortgage rates from 6% APR. Vehicle loans available from 3.75% APR for 36 months. HELOC rates from 6% APR. Personal loan rates from 4.75% APR. Savings and certificate yields up to 4.50% APY.

Source: RateAPI.dev, verified from Cadets Credit Union's official website

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About Cadets Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
1.4K
Assets
$17.8M
Founded
1950
Locations reported
2
NCUA charter
6930
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements

Source: NCUA quarterly call report. 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.

Great ErieEast Aurora CO-OP Branch · East Aurora · NY · 14052About 4.9 miles awayMoog EmployeesMain Office · EAST AURORA · NY · 14052-0018About 4.9 miles awayFinancial Trustwest seneca · West Seneca · NY · 14224About 5.8 miles awayWestern New YorkMain Office · West Seneca · NY · 14224About 5.8 miles awayGood NeighborsGood Neighbors CU Main Office · Depew · NY · 14043About 5.9 miles awayCircuitMAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044About 6.7 miles away

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 Cadets Credit Union

Membership eligibility from Cadets Credit Union's own published criteria. How we verify this.

Membership via employers (Anfield Transport Inc. +3 more) or the Assumption Parish +5 more

  • EmployerAnfield Transport Inc., Aurora Plumbing & Excavation, DeLacy Ford, Liston Manufacturing Inc.
  • AssociationAssumption Parish, American Legion Post 1041, Black Rock Historical Society, Buffalo Golf Club, East Seneca Fire Company, Polish Cadets Club of Buffalo

Cost to join: About $25.

Verified from Cadets Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Cadets Credit Union?

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Frequently Asked Questions

What rates does Cadets Credit Union offer?

Cadets Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Cadets Credit Union rates updated?

RateAPI verifies Cadets Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Cadets Credit Union's rate data?

Rate data is collected directly from Cadets 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 Cadets Credit Union's mortgage rate?

As of August 4, 2026, Cadets Credit Union offers mortgage rates from 6% APR.

What are Cadets Credit Union's auto & powersports loan rates?

As of August 4, 2026, Cadets Credit Union offers vehicle loans from 3.75% APR.

What is Cadets Credit Union's HELOC rate?

As of August 4, 2026, Cadets Credit Union offers home equity lines of credit from 6% APR.

What is Cadets Credit Union's personal loan rate?

As of August 4, 2026, Cadets Credit Union offers personal loans from 4.75% APR.

What is Cadets Credit Union's best CD rate?

As of August 4, 2026, Cadets Credit Union offers savings and certificate (CD) yields up to 4.50% APY.

Related Rate Data

Compare Cadets Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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