Ready for a new car or motorcycle? Or looking to save on your current auto loan? Sweet Home Federal Credit Union (SHFCU) is making it easier than ever to get behind the wheel with our special auto loan promotion! Whether you’re buying new, used, refinancing, or considering a lease buyout, we have competitive rates for you.
| Loan Term | Starting APR* |
|---|---|
| 48 months | 3.99% |
| 60 months | 4.49% |
| 72 months | 4.49% |
| 84 months | 5.49% |
Not a member yet? No problem!
Membership is open to those who live, work, worship, attend school, or volunteer in the Towns of Amherst or Tonawanda. Family members of current members are also eligible. Open an account with as little as $5.
Applying for your SHFCU auto loan is quick and easy. Apply online, stop by, or give us a call to learn more and apply!
*APR = Annual Percentage Rate. All rates quoted and listed are APR. Loan rates reflect the lowest
rate available on approved credit as determined by the creditworthiness of each applicant.
Offer available for a limited time. Rates are subject to change without prior notice.
Other rates, terms, fees, or conditions may apply.
** Rates apply to new and used vehicles (2019 or newer), or a financed vehicle from another lender.
Rates are for new SHFCU loans, current SHFCU loans are not eligible for rate refinancing.
This credit union is federally insured by the National Credit Union Administration.
When you’re thinking about getting an auto loan, you’ll hear a lot of talk about your credit score. It can sound like a complicated, mysterious number, but it’s actually one of the most powerful tools you have in your financial life. Understanding your credit score isn’t just about getting a good rate on a car; it’s about taking control of your financial future.
At Sweet Home Federal Credit Union, we believe in empowering our members with knowledge. We’re not just here to lend you money; we’re here to help you understand how money works so you can make smart decisions for life. Let’s demystify the credit score and show you why it’s so important for your next big purchase.
In the simplest terms, a credit score is a three-digit number that tells lenders how likely you are to pay back money you borrow. It’s a snapshot of your financial responsibility, based on the information in your credit report. The most common type of score is the FICO score, which typically ranges from 300 to 850. The higher the number, the better!
When you apply for an auto loan, the first thing a lender will do is check your credit score. This number is a key factor in determining two crucial things:
Let’s look at a hypothetical example:
The difference in that one number, the credit score, can have a huge impact on your bottom line.
Building a good credit score is a marathon, not a sprint, but there are actionable steps you can take right now to improve it:
At Sweet Home FCU, we believe that education is a key part of financial health. When you apply for an auto loan with us, our lending specialists will take the time to answer your questions and help you understand your options. We’re here to help you get the car you need and to help you build a stronger financial future for yourself.
Ready to take the next step toward a new car and a healthier financial life? Talk to one of our lending specialists today!
It’s that magical time of year in Western New York when the summer sizzle gives way to crisp, inviting air. Thoughts turn to cozy sweaters, pumpkin spice, and the comforting crackle of a backyard bonfire. Fall in WNY isn’t just another season; it’s a feeling – a time for gathering with loved ones, enjoying the vibrant foliage, and making memories that warm you from the inside out. But let’s be real: even the coziest fall moments can come with a price tag, whether it’s for apple picking adventures, tailgating essentials, or the perfect fire pit for s’mores.
At Sweet Home Federal Credit Union, we believe that saving shouldn’t mean sacrificing the fun. In fact, a little smart budgeting can actually enhance your fall experience, ensuring you have the funds ready for every spontaneous hayride or planned weekend getaway. So let’s talk about how to make your fall budget-friendly and fun-filled, and how a dedicated savings account can be your secret weapon.
The first step to enjoying fall without financial stress is to create a “Fall Fun Fund.” This isn’t about rigid restriction; it’s about intentional spending and saving for the experiences you truly value.
1. Identify Your Fall Must-Dos: What does a perfect fall look like for you and your family?
Fall Decor: Adding some festive touches to your home, from gourds and mums to cozy throws.
Local Harvest: A trip to a local apple orchard (like Becker Farms or Singer Farm Naturals) or a pumpkin patch.
Cozy Gatherings: Hosting a backyard bonfire, complete with s’mores, hot cider, and cozy blankets.
Leaf Peeping: A scenic drive to enjoy the changing foliage in places like Allegany State Park or the picturesque routes near Letchworth State Park.
Sports & Tailgating: Catching a Bills game (or a local high school game!) and hosting a spirited tailgate.
2. Estimate the Costs: Once you have your list, do a quick estimate of how much each activity might cost. Don’t forget small expenses like gas for drives, tasty seasonal snacks, or admission fees.
3. Set Your Savings Goal: Tally up your estimated costs to arrive at your total Fall Fun Fund goal. This gives you a clear target to work towards.
This is where we step in to make your saving strategy simple and effective, with a variety of savings tools designed to help you reach your goals — big or small!
1. The Dedicated Savings Account:
Why it works: Open a separate savings account specifically for your Fall Fun Fund. Giving it a name like “Autumn Adventures” or “S’mores & Cider Savings” makes it feel real and helps you avoid dipping into it for everyday expenses. It’s incredibly easy to open an additional savings account with us – often you can do it right from your online banking portal!
How to do it: Schedule small, regular transfers from your checking account into your Fall Fun Fund. Even $10 or $25 a week can quickly add up, and by automating it, you’ll hardly notice the difference.
2. Make Smart Spending Choices:
DIY Decorations: Instead of buying all new decor, get creative with natural elements like fallen leaves, pinecones, and small branches. Visit a local farm for pumpkins and gourds that double as decor and ingredients.
Potluck Gatherings: For bonfires or tailgates, make it a potluck! Friends and family are often happy to contribute food, reducing your overall cost.
Free Fun: Take advantage of free community events, local parks, and hiking trails to enjoy the fall scenery without spending a dime.
3. Optimize Your Savings: As a member-owned credit union, we’re focused on providing competitive rates on our savings products. This means your Fall Fun Fund can grow a little faster with us compared to a big bank, helping you reach your goals sooner.
Fall in Western New York is truly something special, and with a little planning and the right financial tools, you can savor every moment without any lingering financial stress. Let Sweet Home FCU help you build your Fall Fun Fund so you can focus on creating those unforgettable autumn memories.
Ready to make the most of fall without breaking the bank? Get in touch with our team today to set up your dedicated savings account!
As the school buses roll back onto the streets of WNY, and the first leaves begin to change, many of us start to think about preparing for the coming seasons. We pull out the sweaters, restock the pantry, and maybe even start to think about winterizing the home. But there’s one more thing you should consider adding to your list: your car.
While spring and summer are often seen as prime car-buying seasons, fall is a strategic, often overlooked time to get a great deal on a new vehicle. From dealership logistics to the practical needs of a reliable ride, making a move in the fall can be one of the smartest financial decisions you make all year. At Sweet Home FCU, we’re here to help you understand the benefits and to be your trusted partner with a competitive auto loan.
This is perhaps the biggest reason why fall is a great time to buy. Most car dealerships operate on a yearly model cycle, and new models typically start arriving on lots in the late summer and early fall. This creates a powerful incentive for them to get rid of the current year’s inventory.
Think about it: who buys a car in the middle of a snowstorm? Very few people. That’s why dealership traffic tends to slow down significantly in the late fall and winter. For you, this means a more relaxed and personalized car-buying experience.
Here in Western New York, we know that winter is coming, and it can be harsh. Having a reliable, safe vehicle is not just a convenience; it’s a necessity. Waiting until the snow starts to fall to realize your old car isn’t up to the challenge is a stressful and potentially dangerous situation.
Before you even start shopping, find out what you can afford and what your interest rate will be. This is where we can make a BIG difference for you.
Don’t wait until you’re scraping ice off your windshield to realize your car is a liability. Seize the opportunity this fall to get a great deal on a new vehicle and get a smart loan with Sweet Home!
Ready to find your perfect ride for fall? Check out our great rates today and get pre-approved!
In today’s world, you have countless options for where to keep your money. There are big national banks, online-only institutions, and, of course, credit unions. While all of them can handle your transactions, we believe there’s a fundamental difference—and an incredible advantage—to choosing Sweet Home Federal Credit Union. We aren’t just a place to hold your money; we’re your financial home base, a trusted partner for every stage of your life.
The biggest difference between a credit union and a bank is ownership. Banks are for-profit corporations, owned by shareholders who seek to maximize their profits. Credit unions, on the other hand, are not-for-profit financial cooperatives owned and operated by their members. This single distinction is the foundation of the “Member Advantage.”
As a member of Sweet Home FCU, you’re more than a customer; you’re an owner. This means we operate for your benefit, and that translates into real, tangible advantages:
Have you ever walked into a big bank and felt like a number? At Sweet Home, we pride ourselves on a personal, neighborly approach.
Think of Sweet Home FCU as your financial home base. We’re the place where you can get a competitive auto loan for your new car, open a savings account for your “Fall Fun Fund,” or simply get trusted advice on your financial journey. Our goal is to be a partner for all of your big life moments — from buying your first car to saving for retirement.
Ready to experience the “Member Advantage” for yourself? It’s easy to join. If you live, work, worship, or attend school in Amherst or Tonawanda, you’re eligible! We can’t wait to welcome you home.
In a world full of choices, from SUVs and sedans to trucks and electric vehicles, your car is more than just a way to get from A to B. It’s an extension of your personality, your lifestyle, and your needs. Are you the spontaneous adventurer who needs a vehicle to handle a last-minute camping trip? Or are you the meticulous planner who needs a reliable car to get the kids to soccer practice on time, every time?
At Sweet Home FCU, we know there’s no “one-size-fits-all” when it comes to vehicles or auto loans. We believe in finding a solution that’s as unique as you are. So, let’s have a little fun and explore what your ideal car says about you, and how we can help you find your perfect match.
No matter what your car says about you, Sweet Home Federal Credit Union has an auto loan that’s the perfect match. We offer personalized service, competitive rates, and a quick, easy pre-approval process to help you get into your ideal vehicle with confidence.
Ready to find your match? Check out our great rates and easy application process today! Get pre-approved and get on the road in the car that’s truly you!
Fall is just around the corner, and here in Western New York, that means preparing for a new season of weather—from crisp days to eventual snow. A crucial part of this preparation is giving your car a thorough check-up. Taking a little time now for preventative maintenance can prevent a breakdown on a cold, rainy day and save you from costly repairs down the road.
At Sweet Home Federal Credit Union, we’re not just here for your loans; we’re here to help you stay safe and financially sound on the road. Here’s your comprehensive checklist to get your car ready for fall.
Taking the time to perform this simple checklist can give you peace of mind and help you avoid a breakdown. However, if your inspection reveals that your current car needs more than just a tune-up—if it’s facing major repairs that aren’t worth the investment, or if it’s simply not reliable enough for the upcoming winter—it might be the perfect time to consider upgrading.
If you find yourself in this situation, Sweet Home FCU is here to help. Our compassionate team can help you explore a new auto loan to get you into a safe, reliable vehicle for the fall and winter seasons. Don’t let car worries keep you from the road; let us help you get where you need to go with confidence.
As the long days of August begin to wane, there’s a quiet beauty to be found in the Western New York landscape. The summer crowds have thinned, the light is golden, and the open road is calling for one last adventure. A great scenic drive isn’t just about the destination; it’s about the journey itself—a chance to decompress, enjoy the company of loved ones, and savor the final moments of summer freedom.
At Sweet Home Federal Credit Union, we know that having a reliable car is key to these spontaneous moments. So, fill up the tank, pack a picnic, and let’s explore five of the best scenic drives right here in our own backyard.
These joyrides are more than just a way to pass the time; they’re moments to create memories. Having a reliable, comfortable, and efficient vehicle is the key to making them happen. If your car is holding you back from these adventures, let us help. A new auto loan from Sweet Home FCU can be your ticket to exploring everything Western New York has to offer.
Ready to hit the road? Our friendly team is here to help you get the auto loan you need to make every drive a joyride. Check out our AMAZING rates and get started today!
August. For most, it’s the last blissful stretch of summer. But for teachers, it’s a month of preparation, planning, and a little bit of beautiful, organized chaos. As you’re busy prepping your classroom, creating lesson plans, and maybe even doing some last-minute summer reading, the idea of a major purchase like a new car can feel overwhelming. But what if a new car could actually make your school year easier?
The right vehicle is more than just transportation for a teacher; it’s a mobile office, a supply hauler, and a safe, reliable way to get to and from the students who depend on you. If your current car is starting to show its age, or you’re simply ready for an upgrade, this guide is for you. We’ll walk you through the teacher-specific checklist for car shopping and show you how Sweet Home Federal Credit Union can make the financing part a breeze, even during your busiest season.
Before you start Browse, think about what a new car would do for your school year. The needs of a teacher are a little different than the average commuter.
This is the part that often feels most intimidating, but it doesn’t have to be. Getting your financing squared away before you go to a dealership is the single most powerful thing you can do to make the car buying process low-stress.
Now for the fun part! With your pre-approval from Sweet Home FCU, you can confidently test drive vehicles that meet your needs. Don’t just drive on the highway; test the turning radius, see how it handles parking, and check the cargo space for your classroom supplies.
A new school year brings new opportunities and challenges. Having a reliable, safe, and comfortable car is one of the best ways to set yourself up for success. We’re proud to be a trusted financial partner for our local teachers, and we’re here to help you get the car you need, with a loan you can feel great about.Ready to find your perfect back-to-school vehicle? Check out our great rates today to get pre-approved for your auto loan and make this your smoothest school year yet!
Ready for a new car or motorcycle? Or looking to save on your current auto loan? Sweet Home Federal Credit Union (SHFCU) is making it easier than ever to get behind the wheel with our special auto loan promotion! Whether you’re buying new, used, refinancing, or considering a lease buyout, we have competitive rates for you.
| Loan Term | Starting APR* |
|---|---|
| 48 months | 3.99% |
| 60 months | 4.49% |
| 72 months | 4.49% |
| 84 months | 5.49% |
Not a member yet? No problem!
Membership is open to those who live, work, worship, attend school, or volunteer in the Towns of Amherst or Tonawanda. Family members of current members are also eligible. Open an account with as little as $5.
Applying for your SHFCU auto loan is quick and easy. Apply online, stop by, or give us a call to learn more and apply!
*APR = Annual Percentage Rate. All rates quoted and listed are APR. Loan rates reflect the lowest
rate available on approved credit as determined by the creditworthiness of each applicant.
Offer available for a limited time. Rates are subject to change without prior notice.
Other rates, terms, fees, or conditions may apply.
** Rates apply to new and used vehicles (2019 or newer), or a financed vehicle from another lender.
Rates are for new SHFCU loans, current SHFCU loans are not eligible for rate refinancing.
This credit union is federally insured by the National Credit Union Administration.
