Take A Spin, Take A Whirl –
And Lower Your Rate By Up To 1.00% APR*!

WheelOfSavingsWinter Loan

Rates As Low As

4.99% APR*

Lower Your Rate On The Wheel Of SAVINGS!

Borrow affordably for holiday shopping, home upgrades, auto repairs or whatever’s on your “to do” list. Take a spin and try your luck at lowering your rate by .15%, .25%, .50%, .75%, or a full 1.00%!

  • Borrow up to $5,000
  • 12-month term
  • Unsecured
  • Offer expires Jan. 31, 2018!


Lower Your Rate > Lower Your Total Interest Paid

Borrow $5,000 For 12 Months, Then Lower Your Interest Paid From $163.71 To:





.15% Discount

5.84% APR*


.25% Discount

5.75% APR*


.50% Discount

5.49% APR*


.75% Discount

5.24% APR*


1.00% Discount

4.99% APR*



Lower Your Winter Loan Rate

Call (716) 826-1976, Stop By The Credit Union Or Apply Online



*APR = Annual Percentage Rate. 4.99% APR shown includes a 1 base point “wheel of savings” discount to illustrate the lowest possible rate available. Base point reduction good only on new Winter Loans with payroll deduction. Amount approved based on creditworthiness. Offer subject to change without notice. Special rate expires 1/31/18. Visit the credit union for complete details.