6750 MAIN ST
Williamsville, NY 14221

Notable Rates APY Vs.Others
Savings 0.15% 1.90% →
1-Year CD 0.80% 1.90% →
2-Year CD 0.90% 1.95% →
5-Year CD 1.31% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Western Division is an NCUA insured institution located in Williamsville, NY. It was founded in 1937 and has approximately $142.08 millions in assets.

NCUA Insured Yes
Charter Number # # 24731
Date Established 1937
Assets $142.08 million
Loans $59.77 million
Deposits $118.86 million
Capital $22.99 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Erie or Chautauqua, New York.

Deposit Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.40% $1,000 $50,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $100 - Learn MoreShow Less
Fixed IRA
0.80% $250 - Learn MoreShow Less
Special: 13 Mo FIRA
1.30% $250 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WESTERN DIVISION

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Western Division branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Western Division Locations

Financial Details

Western Division Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western Division. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Western Division U.S. Average
0.53% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Western Division had $84,789 in non-current loans and $37,000 in owned assets. To cover these potential losses it had $22,986,628 in net worth and $92,772 in loans loss reserves. That gives it a Texas Ratio of 0.53%.

Net Worth
Western Division U.S. Average
16.17% 13.86%

Western Division FCU has a net worth of 16.17% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Western Division

Branches and Savings

What is Western Division?

A federal credit union, registered with the NCUA under certificate #24731.
Learn more about credit unions here.

Is Western Division FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Western Division?

Please see Field of Membership information above for information on who is eligible to join.

What are Western Division's share account and share certificate rates?

Western Division's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Western Division?

Western Division has total capital of $22.99 million. Full information on Western Division's financial position is located above.

Who owns Western Division?

Credit Unions are owned by their members.

Where are Western Division branches located?

See branch locations nearby.

Are Western Division ATMs Open 24/7?

Do Western Division ATMs accept cash deposits?

Can Western Division customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Western Division have a mobile app?

Does Western Division have mobile deposit?

Does Western Division have quick pay?

How can Western Division transfer money to other banks or credit unions?

Does Western Division report to credit bureaus?

Does Western Division use Chexsystems?

Does Western Division use Equifax?

What is Western Division's toll free phone number?

What is Western Division's ACH Routing Number?

What is Western Division's SWIFT code?

Where can I find Western Division's wire transfer form?

What is the Western Division address for deposits?

What Products Does Western Division Offer

Does Western Division offer mortgages?

Compare mortgage rates here.

Does Western Division offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Western Division offer auto and RV loans?

Compare auto loan rates here.

Does Western Division offer student loans or personal loans?

Compare personal loan rates here.

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