Credit Unions in Buffalo, NY
11 member-owned, NCUA-insured credit unions headquartered in or near Buffalo, serving a combined 49,209 members. The largest is Buffalo Metropolitan. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Buffalo Metropolitan
BUFFALO, NY🇺🇸
17,046 members
Credit Unions & BankingView details →Sjp
Buffalo, NY🇺🇸
7,347 members
Credit Unions & BankingView details →Tonawanda Community
Buffalo, NY🇺🇸
5,230 members
Credit Unions & BankingView details →Erie County Employees
BUFFALO, NY🇺🇸
3,826 members
Credit Unions & BankingView details →Kenmore N. Y. Teachers
Buffalo, NY🇺🇸
3,772 members
Credit Unions & BankingView details →Kaleida Health
BUFFALO, NY🇺🇸
3,219 members
Credit Unions & BankingView details →Morton Lane
BUFFALO, NY🇺🇸
3,031 members
Credit Unions & BankingView details →Buffalo Police
Buffalo, NY🇺🇸
2,529 members
Credit Unions & BankingView details →Dunlop Employees
Buffalo, NY🇺🇸
1,441 members
Credit Unions & BankingView details →Sister'S Hospital Employees
BUFFALO, NY🇺🇸
1,361 members
Credit Unions & BankingView details →St. John United
Buffalo, NY🇺🇸
407 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Buffalo: they are based in or near Buffalo. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Buffalo
8 more credit unions headquartered elsewhere have a branch in Buffalo, NY. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Broadview
Albany, NY🇺🇸
516,899 members
Credit Unions & BankingView details →Empower
Syracuse, NY🇺🇸
310,884 members
Credit Unions & BankingView details →The Summit
ROCHESTER, NY🇺🇸
98,362 members
Credit Unions & BankingView details →Ukrainian
ROCHESTER, NY🇺🇸
28,310 members
Credit Unions & BankingView details →Good Neighbors
Depew, NY🇺🇸
10,580 members
Credit Unions & BankingView details →Great Erie
ORCHARD PARK, NY🇺🇸
10,547 members
Credit Unions & BankingView details →One Credit Union Of Ny
Cheektowaga, NY🇺🇸
8,192 members
Credit Unions & BankingView details →Cadets
ELMA, NY🇺🇸
1,415 members
Credit Unions & BankingView details →- Broadview — branch: 598 Main St Buffalo, NY 14202
- Empower — branch: 2141 Elmwood Ave Buffalo, NY 14207
- The Summit — branch: 2290 Delaware Ave Ste 100 BUFFALO, NY 14216
- Ukrainian — branch: 562 Genesee St Buffalo, NY 14204
- Good Neighbors — branch: 251 Grant St Buffalo, NY 14213
- Great Erie — branch: 130 S Elmwood Ave Ste 147 Buffalo, NY 14202
- One Credit Union Of Ny — branch: 3495 Bailey Ave Buffalo, NY 14215-1129
- Cadets — branch: 927 Grant St Buffalo, NY 14207-2820
How to join a credit union in New York
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Buffalo or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Buffalo — common questions
How many credit unions are in Buffalo?
11 member-owned, NCUA-insured credit unions are headquartered in or near Buffalo, New York, with a combined 49,209 members. The largest is Buffalo Metropolitan.
Are these the closest credit unions to me in Buffalo?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Buffalo, geocoded to the city. The second list adds 8 more credit unions headquartered elsewhere that NCUA shows with a branch in Buffalo, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Buffalo?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in New York accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Buffalo?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.