Credit Unions in Cheektowaga, NY
9 member-owned, NCUA-insured credit unions headquartered in or near Cheektowaga, serving a combined 34,639 members. The largest is Financial Trust. 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.
Financial Trust
Cheektowaga, NY🇺🇸
13,730 members
Credit Unions & BankingView details →One Credit Union Of Ny
Cheektowaga, NY🇺🇸
8,192 members
Credit Unions & BankingView details →Crossroads Community
CHEEKTOWAGA, NY🇺🇸
5,165 members
Credit Unions & BankingView details →Buffalo Conrail
Cheektowaga, NY🇺🇸
2,557 members
Credit Unions & BankingView details →Town Of Cheektowaga
CHEEKTOWAGA, NY🇺🇸
1,483 members
Credit Unions & BankingView details →Afgm Enterprises
Cheektowaga, NY🇺🇸
1,183 members
Credit Unions & BankingView details →Circuit
CHEEKTOWAGA, NY🇺🇸
1,056 members
Credit Unions & BankingView details →Maryvale Schools
CHEEKTOWAGA, NY🇺🇸
791 members
Credit Unions & BankingView details →Sloan Public Schools
Cheektowaga, NY🇺🇸
482 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Cheektowaga: they are based in or near Cheektowaga. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Cheektowaga
1 more credit union headquartered elsewhere has a branch in Cheektowaga, 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.
- Empower — branch: 2690 Walden Ave Cheektowaga, NY 14225-4720
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 Cheektowaga 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 Cheektowaga — common questions
How many credit unions are in Cheektowaga?
9 member-owned, NCUA-insured credit unions are headquartered in or near Cheektowaga, New York, with a combined 34,639 members. The largest is Financial Trust.
Are these the closest credit unions to me in Cheektowaga?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Cheektowaga, geocoded to the city. The second list adds 1 more credit union headquartered elsewhere that NCUA shows with a branch in Cheektowaga, 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 Cheektowaga?
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 Cheektowaga?
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.