Business Details
50+ Years
experience
Your Trusted Financial Partner in Attica, NY
Founded in 1935, Attica-Wyoming Correctional Employees Federal Credit Union has served correctional facility employees and their families for over eight decades. Our member-owned cooperative provides tailored financial solutions, including savings accounts, loans, and digital banking tools, prioritizing community needs through volunteer governance. Governed by an elected board, we reinvest earnings to offer competitive rates, lower loan fees, and expanded services while maintaining federal NCUA insurance up to $250,000. With physical and digital accessibility, we ensure transparent, ethical financial services for current and retired employees across seven correctional facilities and the Attica community. Services
Savings Accounts
Share Certificates
Home Equity Loans
Auto Loans
Recreational Loans
Overdraft Protection
Share Secured Loans
Signature Loans
Superior Loans
Free Checking Accounts
Details
- Year established: 1935
Highlights and features
- We have over 85 years of experience serving correctional employees and their families.
- Our volunteer board ensures community-focused governance and financial transparency.
- Savings are insured up to $250,000 by the National Credit Union Administration (NCUA).
- Competitive loan rates for vehicles, home equity, and personal financial needs.
- Free notary services and direct deposit options enhance member convenience.
Associations and certifications
- NCUA
Services
Savings Accounts
Our savings accounts provide secure, interest-bearing options for members. Dividends are paid quarterly based on earnings, with flexible terms for share accounts, certificates, and specialty clubs. Minimum deposits apply for certificates, and early withdrawal penalties ensure financial stability for long-term savings goals.
Home Equity Loans
Borrow up to $65,000 with favorable terms for primary residences. Loans require 80% loan-to-value based on tax assessments, with attorney fees covered for loans over $20,000. Repayment terms extend up to 15 years, supporting home improvement and equity utilization.
Auto Loans
Finance new or used vehicles at competitive rates with terms up to 6 years. Loans cover 100% of NADA book value for used vehicles, with tiered maximum terms based on vehicle value. Motorcycle financing follows similar guidelines for reliable transportation funding.
Overdraft Line of Credit
Secure a line of credit up to $500 linked to checking accounts. Rates start at 16% APR, providing financial flexibility for unexpected expenses. This service prevents overdraft fees while maintaining account liquidity for eligible members.
Share Secured Loans
Borrow against existing share account balances with fixed terms up to 3 years. Rates start at 7.74% APR, requiring funds to remain in the account until loan maturity. This option builds credit while preserving savings growth for members.
People
Sandra Prusak
President
Sandra leads strategic initiatives and governance for the credit union, ensuring member-focused financial services. With decades of experience in cooperative finance, she champions community development and ethical banking practices.
Steven Kidder
Vice President
Steven oversees operational efficiency and member relations, bringing extensive knowledge of credit union management. He focuses on expanding digital banking access and maintaining competitive financial products.
Christy Ratajczak
Treasurer
Christy manages financial reporting and budgeting, ensuring fiscal responsibility. Her expertise in cooperative accounting supports transparent operations and long-term financial stability for members.
Alison Platten
Secretary
Alison maintains governance records and member communications. She prioritizes regulatory compliance and member education to enhance financial literacy and service accessibility.
Jill Kazmierczak
Board Member
Jill contributes to policy development and community outreach. Her background in local finance strengthens connections between the credit union and Attica residents.
Questions
Who is eligible to join Attica-Wyoming Correctional Employees Federal Credit Union?
Eligibility includes employees of seven correctional facilities, Attica town/village workers, and their immediate family members. Former employees may maintain membership.
What loan options are available for vehicle purchases?
We offer financing for new and used vehicles at rates starting at 6.24% APR, with terms up to 6 years based on vehicle value.
How can I access my accounts outside business hours?
Real-time home banking provides 24/7 access to account management, transfers, and transaction history from any internet-connected device.
Are my savings protected at this credit union?
Yes, all deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What special savings programs do you offer?
Holiday and vacation clubs automatically transfer funds annually, offering the same dividend rates as regular share accounts with early withdrawal penalties.
How do I apply for a home equity loan?
Contact us to discuss requirements including 80% loan-to-value based on tax assessments. Terms up to 15 years are available for primary residences.
