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Southern Chautauqua

168 E Fairmount Ave, Lakewood, NY 14750
NCUA Insured3.6 (42 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

168 E Fairmount Ave

Lakewood, NY 14750

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(716) 665-7000

Service Area

This credit union is located in Lakewood and serves members in the NY area. Currently serving 21,094 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

6.49%

Used Auto Loan

17.99%

Personal Loan

11.99%

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(10 total)

Member Reviews

3.6

42 Google reviews

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

View on Google Maps
Klairann Riforgiato

Klairann Riforgiato

a year ago

Amanda was so wonderful while assisting me through the loan process to get me into a new ride! Rich from Jim Whites is lucky to have her as his “go to” for auto loans! She eased my mind by explaining things in depth and in terms I would understand. She is very knowledgeable and friendly! Highly recommend!

B Shiora

B Shiora

6 months ago

Been with them for 13 Years..and 4 Loans and Not Planning on going Anywhere..Very Helpful Workers..

Kate

Kate

3 years ago

We were referred by Rich White from Jim White's Auto to speak with Sierra about how to refinance a large car payment. We not only got a much lower rate, we financed another vehicle through Sierra! Wonderful customer service! She left no stone unturned in helping us get a good rate for both scenarios. She was always available to answer questions and help us complete paperwork. Thank You So Much Rich and Sierra for making possible something we didn't even realize we could do! We had such a good experience we directed another person to Southern Chautauqua FCU and he was approved with a great rate as well!

Patrick Boozel

Patrick Boozel

a year ago

Use southern chautauqua as your banking institution if you love waiting on hold forever, enjoy being disrespected and lied to, or if you don't like money. I've been trying to get out of this car that's falling apart and Delmaris lied to me and denied my buyer agreement. After an argument ensued she called me back and said actually you can get the vehicle but it was too late. My car currently sits in my driveway broken not worth anything. Not everyone is bad there I'm sure but management better do something because these 1 Star reviews are passing the 5 stars. That's how you know to not use this bank. If Delmaris is your Banker I feel sorry for you. If you still use SCFCU it's time to close your account and go to some other bank that actually cares about you.

ckctim

ckctim

a year ago

Love this bank. Have had no issues. Moved to the area a couple years ago and opened an account with them. Have had no problems, wonderful staff. Keep up the great work.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).