Sweet Home

1960 SWEET HOME RD, Amherst, NY 14228

NCUA Insured4.3 (20 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Amherst, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1960 SWEET HOME RD

Amherst, NY 14228

Google Maps 🗺Waze

(716) 691-9187

Service Area

This credit union is located in Amherst and serves members in the NY area. Currently serving 2,864 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.50%

Used Auto Loan

5.25%

Personal Loan

8.50%

Credit Card APR

8.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.3

20 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Andrea Tillman

3 months ago

Very friendly and truly I believe that they really remember you😊

david fioretti

a year ago

I have been a member of the Sweet home Federal credit Union. . I have found them to be very helpful. They go above and beyond to assist me if any problems occur, which I’ve never had any problems occur with them all transactions go very smoothly. They’re always very polite and courteous And they seem to just know their customers on a first name basis I enjoy doing banking there very much and I’ve come to realize that credit unions are in much better financial shape than the typical banks The credit union from what I’ve noticed is much more reliable than the banks better financial situation than the banks. I wish their ATM could receive deposits David. Amherst NY

Evelyn Sayre

10 months ago

The staff are amazing. Always helpful, kind and friendly. Answer all my questions when I go in or call. Also love the automated fraud detection texts.

Nate Rosado

a year ago

Amazing bank and people that work there, however their phone system is absolutely terrible… calls never go through and the MOM system is always bugged.. when I can’t reach the bank in person it’s always a struggle to talk to them over the phone

Gabriel Susan Lewis

2 years ago

I’ve been banking w SHFC for 35 years and in the past they were super friendly, pleasant and were a pleasure to deal with. But unfortunately ever since Joyce retired and Korey went behind a desk they hired this larger set man to work the counter that is a nightmare to deal with. Every time I go in there now he makes it seem like I’m bothering him when I need help and when I ask questions he acts like my questions are dumb and he seems like he doesn’t actually want to assist me. The funny thing is I thought maybe I was being sensitive but my whole family banks there and all four have agreed that he is just the worst. We’ve all switched to mobile banking only and avoid going in physically because of him. No one made you take that job bud and it’s easy to find a new job right now, so if you’re that miserable there do us all a favor and quit or maybe the bank should let u go. Either way the banks customers would be better for it.