Business Details
50+ Years
experience
Your Trusted Financial Partner in Buffalo, NY
Founded in 1936, our credit union has dedicated itself to serving the financial needs of Buffalo Police and Fire Department employees and their families. We operate as a not-for-profit institution, prioritizing member benefits through competitive rates, low fees, and personalized service. Our commitment to community extends beyond financial transactions, fostering relationships where members are recognized as individuals rather than account numbers. With over 85 years of local expertise, we offer a full range of services including savings and checking accounts, loans, credit cards, and specialized programs like direct deposit and payroll deduction. Our NCUA-insured accounts ensure member funds are protected up to $250,000, while our board of directors and staff maintain rigorous standards for financial security and service excellence.We continually innovate to meet evolving financial needs, providing tools like free bill pay, mobile banking, and nationwide ATM access. Our team's deep understanding of law enforcement and emergency services professions enables tailored financial solutions that address unique career challenges. As a cooperative institution, we reinvest earnings to enhance member benefits rather than distribute profits to external shareholders. This member-first philosophy has sustained us through multiple generations, creating a legacy of trust and financial empowerment within our community.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgages
Credit Cards
Share Certificates
Personal Loans
Student Loans
Money Orders
Notary Services
Details
- Year established: 1936
Highlights and features
- We have served law enforcement and fire department members since 1936 with specialized financial expertise
- Our not-for-profit structure provides superior rates compared to commercial banks
- Personalized service where members are recognized by name rather than account number
- All accounts receive NCUA federal insurance protection up to $250,000
- We offer exclusive programs like payroll deduction and direct deposit services tailored to public safety professionals
Associations and certifications
- NCUA
Services
Savings Accounts
Our share accounts provide competitive dividend rates with complete liquidity. Members earn returns while maintaining immediate access to funds. No monthly fees or minimum balance requirements ensure maximum flexibility for managing emergency funds or long-term savings goals.
Auto Loans
We offer competitive financing for new and used vehicles with streamlined application processes. Our loans accommodate various credit profiles while maintaining favorable terms. Dedicated support helps members find optimal financing solutions for personal transportation needs.
Credit Cards
Our credit card programs combine security with member benefits. Features include fraud protection, nationwide ATM access, and rewards programs. Free bill pay integration simplifies managing multiple financial obligations through a single platform.
Personal Loans
These loans provide flexible funding for unexpected expenses without requiring collateral. Competitive rates make them ideal for debt consolidation, home improvements, or special events. Quick approval processes ensure timely access to necessary funds.
Mortgages
Through our partnership with OwnersChoice Funding, we offer comprehensive mortgage solutions. Services include purchase loans and refinancing options with competitive rates. Our counselors guide members through the home financing process from application to closing.
People
Dennis Richards
President
Dennis Richards leads our board of directors with extensive experience in credit union governance. He ensures strategic direction aligns with member needs while maintaining financial stability and regulatory compliance.
Lori West
Executive Director
As executive director, Lori West oversees daily operations and implements board directives. Her leadership focuses on maintaining exceptional service standards while driving innovation in financial products and digital banking solutions.
Questions
Who is eligible for membership?
Membership is open to Buffalo Police and Fire Department employees and their families. Immediate family members of current members also qualify for enrollment.
What loan types do you offer?
We provide auto loans, mortgages, personal loans, student loans, and share-secured loans with competitive rates specifically for public safety professionals.
Are my deposits insured?
Yes, all accounts receive NCUA insurance up to $250,000. This federal guarantee protects member funds with the same security as traditional bank deposits.
Do you offer online banking?
We provide comprehensive digital banking services including account management, bill pay, mobile check deposit, and loan applications through secure online platforms.
How can I switch my accounts?
Our Switch Kit simplifies transferring direct deposits and automatic payments. Complete the provided forms and submit them to our office for assistance closing previous accounts.
What special programs exist for members?
We offer exclusive benefits including payroll deduction, direct deposit, money orders, and special discounts through partner organizations like Cove Haven Resort.
