Credit union · NCUA insured
CrossRoads Community Federal Credit Union
A $94.8M credit union headquartered in Cheektowaga, NY, with 5,191 members and 1 branch in New York. Best rates: CDs 3.60% and savings 1.45% APY.
CrossRoads Community Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#25 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CrossRoads Community Federal Credit Union
Started in 1938 as the Westinghouse Buffalo Division Federal Credit Union to serve Westinghouse Electric Company employees, CrossRoads Community FCU later transitioned to a community-based charter.
Based in Cheektowaga, New York, the member-owned financial cooperative serves communities across Western New York.
- Headquarters
- 3031 William St, Cheektowaga, NY 14227
- NCUA charter
- 2508
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, volunteer, or go to school in Amherst, Blasdell, Buffalo, Cheektowaga, Clarence, Depew, East Aurora, Elma, Grand Island, Hamburg, Kenmore, Lackawanna, Lancaster, Orchard Park, Tonawanda, West Seneca, and Williamsville, New York.
Employers and groups
- Membership is open to businesses and other legal entities (such as churches, schools, and service groups) located in the served communities.
Family and household
- Membership is open to immediate family members of existing CrossRoads Community Federal Credit Union members.
- Any member of an eligible person's immediate family or household is eligible to join.
Cost to join
- To join, a minimum deposit of $25 is required to open a savings account.
Branches
1 branch in New York
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New York
1 branch
- Main - 3031 William StreetMain office3031 William St, Cheektowaga, NY 14227Directions
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 | 15.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.18% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.57% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $27 | $59 | — |
- CapitalNet worth ratio15.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.18%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.57%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$27Peers’ 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 CrossRoads Community 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.