Phone: (716) 881-3767


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!

Martin Luther King Jr. Day Jan. 20th, 2020 Credit Union Closure

Martin Luther King Jr. Day – 2020

January 8, 2020by

On Monday Jan. 20th, 2020 the Buffalo Cooperative Federal Credit Union will be closed in observance of Martin Luther King Jr. Day. Financial transactions scheduled for, or on, federal holidays may be delayed and will not be reflected in your account until after we re-open.


Credit Union 2019 Holiday Hours

December 20, 2019by

The Buffalo Cooperative Federal Credit Union will have modified hours for the 2019 December holiday season. Our hours for the Christmas and New Year’s holiday will be as follows: Tuesday December 24th: 11 a.m. – 2 p.m. (early closure)Wednesday December 25th: closedTuesday December 31st: 11 a.m. – 2 p.m. (early closure) Wednesday January 1st : […]

2019 Thanksgiving Holiday Hours

Thanksgiving 2019 Holiday Hours

November 23, 2019by

The credit union will have revised hours for the 2019 Thanksgiving Holiday week.Our hours for the week will be as follows:Monday (the 25th) -Wednesday (the 27th): 11 a.m. - 5 p.m. (normal hours)
Thursday November 28th: closed
Friday November 29th : 11 a.m. - 4 p.m. (early closure)


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Our dedicated specialists are here for any questions you may have

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