Credit union · NCUA insured
WNY Federal Credit Union
A $93.1M credit union headquartered in West Seneca, NY, with 8,789 members and 1 branch in New York. Best rates: CDs 3.39% APY.
WNY Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#29 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WNY Federal Credit Union
Headquartered in West Seneca, New York, Western New York Federal Credit Union was created in January 1964 for employees of the West Seneca State School.
After merging with Buffalo Psychiatric Center Federal Credit Union and Lackawanna School System Federal Credit Union, it adopted its current name in 1996.
The institution operates as a community-chartered credit union serving individuals who live, work, worship, or attend school in Erie County, New York.
- Headquarters
- 1937 Union Rd, West Seneca, NY 14224
- NCUA charter
- 16042
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This may be incomplete or out of date, so check with the credit union before you apply.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, and businesses and other legal entities located in, Erie County, New York.
Cost to join
- Establishes membership with a $25 opening deposit in a Classic Savings account.
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office1937 Union Rd, West Seneca, NY 14224Directions
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 | 11.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.09% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $59 | $59 | — |
- CapitalNet worth ratio11.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$59Peers’ 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 WNY 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.