Credit union · NCUA insured
AFGM Enterprises Federal Credit Union
A $13.6M credit union headquartered in Cheektowaga, NY, with 1,199 members and 1 branch in New York. Best rates: CDs 4.00% and savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings710.25%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AFGM Enterprises Federal Credit Union
AFGM Enterprises Federal Credit Union is a member-owned not-for-profit financial institution based in Cheektowaga, New York.
- Headquarters
- 132 Cayuga Rd, Cheektowaga, NY 14225
- NCUA charter
- 15618
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Membership is open to employees and retirees of General Mills, Inc., as well as all of their immediate family members.
- Membership is open to employees and retirees of Archer Daniels Midland Co. (ADM), as well as all of their immediate family members.
- Membership is open to employees and retirees of BCT Grain Millers Local 36G, as well as all of their immediate family members.
- Membership is open to employees and retirees of AFGM Enterprises FCU, as well as all of their immediate family members.
- Membership is open to employees and retirees of Shuman Plastics, as well as all of their immediate family members.
- Membership is open to employees and retirees of Sellmore Industries, as well as all of their immediate family members.
2 more ways to join
Family and household
- Membership is open to employees and retirees of Santoro Sign Company, as well as all of their immediate family members.
- Membership is open to employees and retirees of AFGM Grain Millers' Retirees Club, as well as all of their immediate family members.
Branches
1 branch in New York
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New York
1 branch
- MAIN OfficeMain office132 Cayuga Rd, Cheektowaga, NY 14225Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 25.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.86% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio25.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AFGM Enterprises Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.