Credit Unions in Buffalo, NY
10 member-owned, NCUA-insured credit unions headquartered in or near Buffalo, serving a combined 43,862 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🇺🇸
15,349 members
Credit Unions & BankingView details →Sjp
Buffalo, NY🇺🇸
7,258 members
Credit Unions & BankingView details →Tonawanda Community
Buffalo, NY🇺🇸
5,271 members
Credit Unions & BankingView details →Kenmore N. Y. Teachers
Buffalo, NY🇺🇸
3,786 members
Credit Unions & BankingView details →Kaleida Health
BUFFALO, NY🇺🇸
3,263 members
Credit Unions & BankingView details →Morton Lane
BUFFALO, NY🇺🇸
3,116 members
Credit Unions & BankingView details →Buffalo Police
Buffalo, NY🇺🇸
2,516 members
Credit Unions & BankingView details →Dunlop Employees
Buffalo, NY🇺🇸
1,506 members
Credit Unions & BankingView details →Sister'S Hospital Employees
BUFFALO, NY🇺🇸
1,383 members
Credit Unions & BankingView details →St. John United
Buffalo, NY🇺🇸
414 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Buffalo, not that it is the nearest branch to you.
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?
10 member-owned, NCUA-insured credit unions are headquartered in or near Buffalo, New York, with a combined 43,862 members. The largest is Buffalo Metropolitan.
Are these the closest credit unions to me in Buffalo?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Buffalo — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. 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.