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!

President’s Day – Office Closed

February 16, 2019by

Please note that Monday, February 18, 2019, is President’s Day. In observance of the national holiday, the Buffalo Cooperative Federal Credit Union will be closed. Financial transactions scheduled for or on federal holidays may be delayed and will not be reflected in your account until after we re-open. You can always report a loss or […]


Veterans Day

November 5, 2018by

The BCFCU will be closed in observance of Veterans Day on November 12th 2018.


Columbus Day

September 27, 2018by

The BCFCU will be closed in observance of Columbus Day on October 8th 2018.


We are here to help you

Our dedicated specialists are here for any questions you may have

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Call us at

(716) 881-3767

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Building Credit

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

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