Erie County Employees

95 FRANKLIN ST, ROOM 111, Buffalo, NY 14202

NCUA Insured4.2 (6 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

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 Buffalo, 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

2 charter

Established in 1940

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

95 FRANKLIN ST, ROOM 111

Buffalo, NY 14202

Google Maps 🗺Waze

(716) 858-6245

Service Area

This credit union is located in Buffalo and serves members in the NY area. Currently serving 3,849 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

3.99%

Used Auto Loan

4.75%

Personal Loan

5.00%

Credit Card APR

12.25%

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(2 total)

Member Reviews

4.2

6 Google reviews

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

View on Google Maps

Tammy

3 years ago

I recently used the credit union for an auto loan because the rates are far better than anywhere else. I had never obtained my own auto finance (always went through the dealership). The process was way smoother than I anticipated. It also made me feel more in control of my car purchase and not at the mercy of the salesman. The credit union associates are very nice to work with.

Ruthlee Barton

5 years ago

It is lovely when the person. You bank with knows you on Sight, and you can ask for a person by name, when you call. ALWAYS helpful and professional.

Madeline Rivers

a month ago

I have been with the credit union for over 30 yrs, never had any problems. But lately when i try to check my balances or make a transaction through the automated system on evening or weekends i can’t get through. It keeps insisting that i have the wrong account number or access code number. It is very frustrating. When i reported it on several occasions they insisted it was something i was doing wrong. I tried from my home phone and from my cell phone and still couldn’t get through.