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 including: auto, home, business and even emergency loans. 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. Use the card anywhere that VISA is accepted.


OwnersChoice Funding is a broker that can help you find the right mortgage! The Buffalo Cooperative Federal Credit Union provides the funds.


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

Our Client Testimonials

See what our customers have to say us!

Co-op credit union is a nice and welcome alternative to the generic banks. Keeps money in the community rather than places throughout the world where big banks’ funds tend to settle. Staff people are friendly and helpful. What are you waiting for? Take your money out of a corporate bank and conduct your financial transactions here. ‘Nuff said.

Randy Atlas

This is the only financial institution worth banking with in WNY. They treat you like a person and not a number like corporate banks. The staff and managers are all incredibly personable and they really work for the members. Skip the mega banks and go with these guys!

Michael Puma

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!

BCFCU Resuming Normal Operations

June 6, 2020by

On June 8th, the Buffalo Cooperative Federal Credit Union will be open for normal business. Our hours will be: Monday – Friday 10:30 AM – 4:30 PM Masks will be required to enter the building and a maximum of 4 people at any given time will be allowed in the lobby area to conduct transactions. […]


COVID-19 Update: Resuming Loan and Member Applications

May 20, 2020by

Good afternoon members and friends of the Buffalo Cooperative Federal Credit Union! We are once again accepting loan and new member applications. These applications will be by appointment-only. Current members can start a new loan application here but will need to follow up with an appointment to complete. Due to the COVID-19 pandemic and In […]


COVID-19/2020 CARES Act Update

April 14, 2020by

Good afternoon members and friends of the BCFCU! As the government starts sending out stimulus money, please consider either logging into your home banking account or checking your email inbox for a deposit notification. We have been receiving a high volume of phone calls for balance inquires and we may not be able to get […]


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