Credit union · NCUA insured
Buffalo Conrail Federal Credit Union
Top CarrotA $59M credit union headquartered in Cheektowaga, NY, with 2,563 members and 1 branch in New York. Best rates: CDs 3.85% and savings 2.26% APY.
Buffalo Conrail Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#8 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Buffalo Conrail Federal Credit Union
Chartered in 1936 as New York Central System Employees Buffalo Federal Credit Union, Buffalo Conrail FCU is a member-owned credit union.
Headquartered in Cheektowaga, New York, the credit union focuses on serving railroad employees, retirees, other SEG groups, and their extended families.
- Headquarters
- 1481 Harlem Rd, Cheektowaga, NY 14206
- NCUA charter
- 845
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad, and Norfolk Southern are eligible for membership.
- Members of other SEG groups are eligible for membership.
Family and household
- Extended families of railroad employees, retirees, and other SEG groups are eligible for membership.
Other ways
- Railroad retirees are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Buffalo Conrail FCUMain office1481 Harlem Rd, Cheektowaga, NY 14206Directions
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 | 22.26% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $93 | $59 | — |
- CapitalNet worth ratio22.26%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$93Peers’ 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 Buffalo Conrail 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.