816 Elmwood Avenue Rear Buffalo, NY 14222 Phone: (716) 881-3767 Home Banking Loan Application

Buffalo Cooperative Federal Credit Union

We know our membership

Established in 1979 as a non-profit cooperative financial institution, the Buffalo Cooperative Federal Credit Union is federally incorporated and is owned and operated for the benefit of our members.

The BCFCU is a Community Development Financial Institution located in the heart of the Elmwood Village. The BCFCU provides a place where members can manage their finances in a fair, balanced, and supportive environment. We are a low income designated credit union that focus on helping those how are underserved and in need of help the most.

Services We Provide

Buffalo Cooperative Federal Credit Union is incorporated under federal law and is owned and operated for the benefit of the members who use its services.


The BCFCU offers a wide array of loans to meet your needs. We’ll help you make wise use of credit to improve your life.


Use a BCFCU debit card (also known as a check card) to authorize payments from your share draft checking account.


OwnersChoice Funding is a broker that can help you find the right mortgage! Your credit union provides the funds.


Get a great rate on term share accounts – offerings from 3 to 18 months to help maximize your savings.

Our Client Testimonial

See what our customers have to say us!

Why People Choose Us

We’re not a bank, we’re a family:

Our members know our staff well and are treated with respect.

We are a Community Development Financial Institute:

We focus on low income people who are underserved by “for profit” banks. We work with of all credit scores to fix their credit, finance emergencies, and serve all other financial needs that our community won’t get help with from the big banks.

Low rates for loans all sizes:

Most banks or credit unions won’t make small loans for people who need it most, we work with everyone to make a loan or line of credit that makes sense at a low interest rate.

Democratically Controlled:

Our members are our first priority and our boss. The members elect the Board of Directors and are the only shareholders we answer too.

Latest News

Stay up to date!

Presidents Day

February 5, 2018by

The BCFCU will be closed in observance of Presidents Day on February 19th 2018.


Martin Luther King Day

January 12, 2018by

The BCFCU will be closed in observance of Martin Luther Kings Day on January 15th 2018.


Credit Builder

December 19, 2017by

Let the BCFCU help you build your credit score. Get a Credit Builder Loan today, to build for a better tomorrow. GREAT CREDIT LEADS TO GREAT THINGS Better chance for credit card and loan approval Potential for lower interest rates on credit cards and loans Easier approval for rental houses and apartments Better car insurance […]


We are here to help you

Our dedicated specialists are here for any questions you may have

Apply For Loan

Looking to buy a car or home loan? Then apply for loan now.

Get Appointment

Call us at

(716) 881-3767

Contact us

Building Credit

Need to help with your credit? Talk to our Loan advisors to help raise your score.

Schedule An Appointment