Credit union · NCUA insured
Williamsville Federal Credit Union
A $10.9M credit union headquartered in Amherst, NY, with 1,852 members and 1 branch in New York. Best rates: CDs 2.72% APY.
Williamsville Federal Credit Union Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#42 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Williamsville Federal Credit Union
Williamsville Federal Credit Union is a member-owned not-for-profit financial institution headquartered in Amherst, New York, that was chartered in 1953.
The credit union serves Williamsville Central School District employees and their family members.
- Headquarters
- 656 N French Rd Ste 7, Amherst, NY 14228-2104
- NCUA charter
- 8618
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Williamsville Central School District employees are eligible to join Williamsville FCU.
Family and household
- Family members of Williamsville Central School District employees are eligible to join Williamsville FCU.
Other ways
- Any child in the field of membership can become a member and open a share savings account.
Cost to join
- An initial $6.00 deposit is required for a child account.
- Joining requires a membership fee of $1.00 and a minimum share deposit of $5.00.
Branches
1 branch in New York
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New York
1 branch
- Willimsville FCUMain office656 N French Rd Ste 7, Amherst, NY 14228Directions
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 | 11.84% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio11.84%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ 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 Williamsville 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.