Financial Trust Credit Union

Cheektowaga, New York
Last verified: August 3, 2026
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Verified rate book

Current Financial Trust Credit Union rates

19 published offers verified as of August 3, 2026.

How we verify rates

Auto & vehicle rates

6 offers
Financial Trust Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New Automobiles Loan Saleauto_new_60mo3.290% APR3.290%60 mo · newStandard
Used Automobiles Loan Saleauto_used_60mo3.990% APR3.990%60 mo · usedStandard
Motorhome, Camper Loan Salerv_any_72mo4.990% APR4.990%72 moStandard
Boat, Motorcycle, Snowmobile Loan Saleboat_any_72mo4.990% APR4.990%72 moStandard
Boat, Motorcycle, Snowmobile Loan Saleboat_any_180mo6.000% APR6.000%180 moStandard
Motorhome, Camper Loan Salerv_any_180mo6.490% APR6.490%180 moStandard

HELOC rates

2 offers
Financial Trust Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity (HE-50-51) Fixed Rate Closed Endheloc_fixed4.490% APR4.490%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed4.490% APR4.490%—Standard

Personal loan rates

4 offers
Financial Trust Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Loan Secured by Regular Sharespersonal_secured_72mo4.250% APR4.250%72 moStandard
Vacation Loan Loan Salepersonal_unsecured_12mo4.990% APR4.990%12 moStandard
Personal Loan Loan Salepersonal_unsecured_48mo5.990% APR5.990%48 moStandard
Line of Credit on Checking (LC)ploc_variable16.950% APR16.950%—Standard

Credit card rates

1 offer
Financial Trust Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Fixed Rate Visa Cardcredit_card10.900% APR10.900%—Standard

Savings & CD rates

6 offers
Financial Trust Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
6-Month Certificatecd_6mo3.29% APY3.25%6 moStandard
12-Month Certificatecd_12mo3.55% APY3.50%12 moStandard
18-Month Certificatecd_18mo3.70% APY3.65%18 moStandard
24-Month Certificatecd_24mo3.80% APY3.75%24 moStandard
25-Month Certificatecd_25mo3.91% APY3.85%25 moStandard
180-Month IRAira5.25% APY5.25%180 moStandard

Vehicle loans available from 3.29% APR for 60 months. HELOC rates from 4.49% APR. Personal loan rates from 4.25% APR. Credit card rates from 10.9% APR. Savings and certificate yields up to 5.25% APY.

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

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About Financial Trust Credit Union

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

Members
13.7K
Assets
$198.3M
Founded
1950
Locations reported
6
NCUA charter
6870
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
  • Student scholarships

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.

Afgm EnterprisesMAIN Office · Cheektowaga · NY · 14225Branch in the same ZIPEmpowerCheektowaga · Cheektowaga · NY · 14225-4720Branch in the same ZIPOne Credit Union of NYUnion Road · Cheektowaga · NY · 14225-5127Branch in the same ZIPGood NeighborsGood Neighbors CU Main Office · Depew · NY · 14043About 3.0 miles awayCircuitMAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044About 3.1 miles awayCrossroads CommunityMain - 3031 William Street · Cheektowaga · NY · 14227About 3.1 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 Financial Trust Credit Union

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

Membership criteria are published on Financial Trust Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationErie — NY

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

Work at Financial Trust Credit Union?

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Frequently Asked Questions

What rates does Financial Trust Credit Union offer?

Financial Trust Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Financial Trust Credit Union rates updated?

RateAPI verifies Financial Trust Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Financial Trust Credit Union's rate data?

Rate data is collected directly from Financial Trust Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Financial Trust Credit Union's auto, rv & boat loan rates?

As of August 3, 2026, Financial Trust Credit Union offers vehicle loans from 3.29% APR.

What is Financial Trust Credit Union's HELOC rate?

As of August 3, 2026, Financial Trust Credit Union offers home equity lines of credit from 4.49% APR.

What is Financial Trust Credit Union's personal loan rate?

As of August 3, 2026, Financial Trust Credit Union offers personal loans from 4.25% APR.

What is Financial Trust Credit Union's best CD rate?

As of August 3, 2026, Financial Trust Credit Union offers savings and certificate (CD) yields up to 5.25% APY.

Related Rate Data

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

More New York credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card 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

Track Financial Trust Credit Union rates

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# Get rates for Financial Trust Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/financial-trust" \
  -H "Authorization: Bearer YOUR_API_KEY"
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