Buffalo Conrail

1481 Harlem Rd, Cheektowaga, NY 14206

NCUA Insured3.9 (18 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

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

Membership Eligibility

Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.

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 1935

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

1481 Harlem Rd

Cheektowaga, NY 14206

Google Maps 🗺Waze

(716) 897-2383

Service Area

This credit union is located in Cheektowaga and serves members in the NY area. Currently serving 2,551 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

4.58%

Used Auto Loan

5.98%

Personal Loan

4.50%

Credit Card APR

8.50%

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

3.9

18 Google reviews

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

View on Google Maps

Derek Masters

8 months ago

easy to deal with, good customer service. you call and get a knowledgeable person at the bank who is helpful. they care about their customers. what all banks should strive to.

Ant Ban

7 months ago

Excellent experience. Local. Very personable where you can put names to faces. Fast turn around on any needs!

3 years ago

Gave them a second try for a car loan after a bad experience a few years ago. Nothing has improved. Any other institution I've ever used had the financing ready within hours. I'm on day 3 of hoops and more hoops. I'm done. I have excellent credit and plenty of assets, being jerked around like this is insulting. I have taken my business elsewhere and will now have my new car in less than 24hrs

NevaD

3 years ago

I've gotten several different loans thru them. They make it real easy and very personable. They make you feel like a person and not just an account number, even to the point of calling me and discussing it when something wasn't right with one of my loan payments. I don't plan on ever using another company!!

Robin Packman

4 years ago

This Credit Union is from the stone ages. The communication is bare minimum and loan applications take almost two weeks to decision. There are so many better out there!