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Credit union · NCUA insured

Gowanda Area Federal Credit Union

A $32.1M credit union headquartered in Gowanda, NY, with 1,845 members and 1 branch in New York. Best rates: savings 0.40% APY.

Gowanda Area Federal Credit Union Carrot Score

81

Carrot Score

Higher than 56% of U.S. banks and credit unions

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#24 of 52 in Buffalo, NY metroHow the score works →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About Gowanda Area Federal Credit Union

Chartered in December 1935 for Gowanda State Hospital employees, Gowanda Area Federal Credit Union is headquartered in Gowanda, New York.

After merging with J. N Adam Developmental Federal Credit Union and later adapting to institutional changes, the credit union adopted its current name on July 21, 1994.

Headquarters
14266 Taylor Hollow Rd, Gowanda, NY 14070-9703
NCUA charter
818
Visit institution website ↗

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This may be incomplete or out of date, so check with the credit union before you apply.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 the credit union are eligible for membership.
  • Members of Friends of the Collins Public Library are eligible for credit union membership.
  • Employees who work for Gowanda Electronics in Gowanda, NY are eligible for membership.
  • Employees who work for Har-Son Mfg. in Gowanda, NY are eligible for membership.
  • Employees who work at Iroquois Smoke Shop in Collins, NY are eligible for membership.
  • Employees who work for TLC Health Network in Gowanda, NY are eligible for membership.
16 more ways to join

Employers and groups

  • Employees who work at OJIBWAS/SENECAS Trading Post in Irving, NY are eligible for membership.
  • Employees who work for Trusty Step of Western NY, Inc., dba Magic Glass Repair in Forestville, NY are eligible for membership.

Military, government and schools

  • Employees who work at Collins Correctional Facility in Collins, NY are eligible for membership.
  • Employees who work at Gowanda Correctional Facility in Collins, NY are eligible for membership.
  • Those who work for or are paid from Gowanda Central School District in Gowanda, NY are eligible for membership.
  • Employees of the State of NY, Office of General Services working out of Collins Correctional Facility in Collins, NY are eligible for membership.
  • NYS Police headquartered in Collins, NY are eligible for membership.
  • Those who work for or are paid from Seneca Nation of Indians in Salamanca or Irving, NY are eligible for membership.
  • Employees who work for the Town of Collins in Collins, NY are eligible for membership.
  • Employees who work for the Town of Perrysburg in Perrysburg, NY are eligible for membership.
  • Employees of the Village of Gowanda, NY are eligible for membership.
  • Employees of Western New York Developmental Disabilities Services Office working in designated NY counties/locations are eligible for membership.

Family and household

  • Immediate family members (grandparents, parents, siblings and their spouses, spouses, children, step-children, and grandchildren) of primary members are eligible.
  • Household persons living in the same residence and maintaining a permanent single economic unit are eligible for membership.
  • Spouses of persons who died while within the field of membership are eligible.

Other ways

  • Retirees/pensioners/annuitants from qualifying employments, members of their immediate family/household, organizations of such persons, and corporate or other legal entities named in the charter are eligible.

Branches

1 branch in New York

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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.