Town of Cheektowaga

3251 BROADWAY ST, Cheektowaga, NY 14227

NCUA Insured4.8 (6 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1980

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 1980

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

3251 BROADWAY ST

Cheektowaga, NY 14227

Google Maps 🗺Waze

(716) 686-3497

Service Area

This credit union is located in Cheektowaga and serves members in the NY area. Currently serving 1,475 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

5.72%

Used Auto Loan

5.78%

Personal Loan

12.99%

Credit Card APR

10.90%

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(1 total)

Member Reviews

4.8

6 Google reviews

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

View on Google Maps

Acoyia Nicole

3 months ago

Was able to get me the best rate for my auto loan, no one else came close! ***Edit as of 2.11.2026: I've been banking with TOCFCU for the last ~8 years. They've provided me with 2 auto loans, each with beautiful rates. I most recently went in to make a checking deposit 2 days ago. Upon doing so, I was asked where this money had come from. The teller stated she was mandated to ask as the regulators would wish to know. I had no problem telling her that the previous day was my birthday and that's where the bulk of cash had come. I don't know why it irked me the way that it did, but isn't the receptive and polite response to be something along the lines of, "happy birthday"? The rest of our interaction and exchange was very matter of fact and all businesslike. Which is completely fine for a bank. I just felt miffed for whatever reason. Like the brief encounter could've yielded slightly more hospitality than it did. I felt like I've received more compassion from lesser known establishments.

Thomas Bueller

7 years ago

I have been with the credit union for well over 10 years and I absolutely love it. Every time somebody tells me they can get me a better interest rate I just laugh inside and know that I can come to them and get a better rate from the credit union