Crossroads Community

3031 WILLIAM STREET, Cheektowaga, NY 14227

NCUA Insured4.0 (25 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1938

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 Cheektowaga, 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 1938

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

3031 WILLIAM STREET

Cheektowaga, NY 14227

Google Maps 🗺Waze

(716) 896-8084

Service Area

This credit union is located in Cheektowaga and serves members in the NY area. Currently serving 5,235 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

4.48%

Used Auto Loan

5.57%

Personal Loan

10.82%

Credit Card APR

11.90%

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

4.0

25 Google reviews

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

View on Google Maps

tishara montgomery

3 months ago

The at crossroads is very friendly, I love it that they remember who you are and is helpful at anytime. Not like corporate banks when your a number I feel comfortable 😌 and I wouldn't have it any other way

Sue Blum

2 years ago

I've been a member for 30+ years. Always efficient and helpful. The system change was a challenge, but it had to be done. Good work everyone!

Keenan

4 years ago

Decent bank, however, they literally stole money from an associate of mine who accidentally sent money to my phone number instead of an employee of hers. Their attorney and paralegals lied , had me drive 25 minutes to and from after telling me one thing on the phone, then when I got there it was a completely different contract.