Credit union · NCUA insured
Circuit Federal Credit Union
Top CarrotA $11.6M credit union headquartered in Cheektowaga, NY, with 1,043 members and 2 branches in New York. Best rates: CDs 1.97% APY.
Circuit Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#13 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Circuit Federal Credit Union
Circuit Federal Credit Union was chartered on April 2, 1959, originally organized by employees of the Cheektowaga Central School District.
Formerly known as Cheektowaga Central FCU and Cheektowaga Community FCU, the credit union adopted the name Circuit Federal Credit Union in January 2024.
Operating branch locations in Cheektowaga and Hamburg, New York, it serves individuals who live, work, worship, or attend school in several Erie County communities.
- Headquarters
- 3234 Union Rd, Cheektowaga, NY 14227-1044
- NCUA charter
- 12912
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the Town of Cheektowaga.
- Membership is open to anyone who lives, works, worships, or attends school in Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, or Sloan.
Cost to join
- A minimum share of $25 is required in your account (along with being at least 16 years old) to vote at the annual membership meeting in accordance with bylaws.
Branches
2 branches in New York
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New York
2 branches
- Main OfficeMain office3234 Union Rd, Cheektowaga, NY 14227Directions
- Hamburg Location140 Pine St Ste 3A, Hamburg, NY 14075Directions
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 | 13.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $75 | $59 | — |
- CapitalNet worth ratio13.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$75Peers’ 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 Circuit 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.