816 Elmwood Ave. Rear, Buffalo, NY 14222

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!

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!

Labor Day – 2019

August 29, 2019by

On Monday Sep. 2nd, 2019 the Buffalo Cooperative Federal Credit Union will be closed in observance of Labor Day.

Buffalo Credit Union - July 4th Announcement

Independence Day – 2019

July 3, 2019by

For the 2019 Independence Holiday there will be a few changes regarding the Buffalo Cooperative Federal Credit Union’s hours.


Security Advisory

June 11, 2019by

It has come to our attention that some members have been having issues accessing home banking.


We are here to help you

Our dedicated specialists are here for any questions you may have

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

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Call us

(716) 881-3767

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Building Credit

Credit score help? Talk to our loan officers to help raise your score.

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