Western New York

1937 Union Rd, West Seneca, NY 14224

NCUA Insured3.8 (90 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1964

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 West Seneca, 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 1964

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

1937 Union Rd

West Seneca, NY 14224

Google Maps 🗺Waze

(716) 771-5000

Service Area

This credit union is located in West Seneca and serves members in the NY area. Currently serving 8,730 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

4.07%

Used Auto Loan

4.94%

Personal Loan

10.64%

Credit Card APR

11.08%

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

3.8

90 Google reviews

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

View on Google Maps

Amy Turkasz

8 months ago

Every time I come in, I am addressed by my first name. I couldn’t ask for kinder better service. Better than a bank I’m so glad I found them!

Vince Nappo

9 months ago

Horrible. A certified check from the sale of a property deposited - proceeds needed to close on another property and this hack of a credit union holds the funds for more than a week, delaying the closing and causing $250 daily charges with movers, which at the time of this review is at $1,000. Thank you WNY Federal Credit Union! In response to the reply below - I posted this on behalf of a family member who has been dealing with this mess and getting nowhere.

Jillian Samit

11 months ago

I’ve been with WNYFU since I was 18. My mom brought me in and had me open a savings account in case I ever needed a loan and I’ve actually had 3 auto loans through them. It was always so easy to fill out the application and stop in to sign the paperwork. Not to mention the 1.5% interest rate I have for my current loan which is insanely low and unheard of. I always recommend them to people and I tell them to watch for the loan sales they usually have each spring and fall

Felicia Mitchell

11 months ago

Cathleen is amazing to work with and WNYFC. Great auto loan interest rates. Very prompt with answering phone calls, and emails. I was also provided with two copies of loan payment schedule with interest information for the entire loan - for tax purposes. Very happy with the service