Business Details
50+ Years
experience
Your Trusted Credit Union in Amherst, NY
Williamsville Federal Credit Union has served its members since 1953, operating as a not-for-profit financial institution owned and controlled by its members. Our mission focuses on providing convenience, exceptional service, and advanced financial products tailored to meet the needs of Williamsville Central School District employees, their families, and eligible community members. We prioritize personalized service through a friendly, competent staff and a Board of Directors elected by our membership. Our services include savings and checking accounts, loans, credit cards, and investment programs, all designed to deliver value through competitive rates and member-centric benefits.As a federally insured institution, we ensure deposits up to $250,000 are protected by the National Credit Union Administration (NCUA). We emphasize transparency, financial education, and community engagement, offering payroll deduction options and direct deposit services to simplify account management. Our commitment to innovation ensures members access modern financial tools while maintaining the trust and accountability expected from a cooperative financial institution.
Services
ATM Cards
Share Accounts
Draft Accounts
Share Certificates
Visa Cards
Personal Loans
Boat Loans
Auto Loans
Home Equity Loans
Details
- Year established: 1953
Highlights and features
- We operate as a not-for-profit institution, returning earnings to members through lower loan rates and higher savings dividends.
- Our services include rapid loan processing and personalized financial solutions tailored to member needs.
- We offer federally insured accounts up to $250,000 through NCUA protection.
- Flexible deposit options include no monthly fees for share draft accounts and competitive share certificate terms.
- We prioritize community membership, serving Williamsville Central School District employees and their families.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Share Savings Accounts
Our share savings accounts represent your ownership stake in the credit union, offering dividends starting at $25 balances. Funds are federally insured up to $250,000 by NCUA. These accounts provide a secure foundation for financial growth while granting access to additional credit union services.
Personal Signature Loans
Personal signature loans require no collateral, offering flexible borrowing for unexpected expenses or personal needs. Competitive interest rates and payroll deduction options simplify repayment. Loan approval focuses on creditworthiness and member history with the credit union.
Home Equity Loans
Home equity loans leverage property value for larger funding needs, featuring rates starting at 6.50% APR. A $250 closing cost gift enhances affordability. These fixed-term loans provide predictable payments for home improvements, debt consolidation, or major purchases.
Share Certificates
Share certificates offer guaranteed returns through fixed terms ranging from 6 to 24 months, with minimum deposits starting at $500. These low-risk investments earn competitive dividends, ideal for savers seeking predictable growth with NCUA-insured security.
Visa Credit Cards
Our Visa credit cards combine purchasing power with member-focused benefits, including fraud protection and competitive interest rates. Cardholders enjoy convenient payment options and the security of a credit union committed to financial responsibility and customer service.
Questions
Who is eligible to join Williamsville Federal Credit Union?
Eligibility includes Williamsville Central School District employees, their family members, and select community groups. Membership requires a $1 application fee and minimum $5 share deposit.
Are my deposits insured at Williamsville FCU?
Yes, all accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What loan options does the credit union offer?
We provide personal signature loans, auto loans, boat loans, home equity loans, and share-secured loans with competitive rates and flexible terms.
What are the credit union's operating hours?
We're open Monday and Wednesday 9 AM–4 PM, Thursday 12 PM–4 PM, and Friday 9 AM–5 PM at our Amherst, NY location.
Do you offer online banking services?
Yes, we provide secure online banking for account management, bill payment, and transaction monitoring. Contact us for enrollment details.
