Credit union · NCUA insured
ONE Credit Union
Top CarrotA $111.8M credit union headquartered in Cheektowaga, NY, with 8,152 members and 3 branches in New York. Best rates: CDs 3.45% and savings 1.01% APY.
ONE Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#15 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ONE Credit Union
Founded in 1933 as Buffalo Service Credit Union to serve federal employee groups in the Buffalo District, ONE Credit Union serves Erie County, New York.
Owned by its members, the credit union merged with South Towns Community Federal Credit Union in June 2024.
- Headquarters
- 3517 Union Rd, Cheektowaga, NY 14225-5127
- NCUA charter
- 60716
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This may be incomplete or out of date, so check with the credit union before you apply.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 any person who either lives, works, worships, or goes to school in Erie County, New York.
Branches
3 branches in New York
Loading map…
New York
3 branches
- Union RoadMain office3517 Union Rd, Cheektowaga, NY 14225Directions
- VA Medical Center3495 Bailey Ave, Buffalo, NY 14215Directions
- South Towns500 Ridge Rd, Lackawanna, NY 14218Directions
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 | 13.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.12% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $42 | $76 | — |
- CapitalNet worth ratio13.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.12%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$42Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 ONE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.