West Seneca, NY 14224

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.85% 2.20% →
2-Year CD 1.10% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Western New York is an NCUA insured institution located in West Seneca, NY. It was founded in 1964 and has approximately $55.51 millions in assets.

NCUA Insured Yes
Charter Number # # 16042
Date Established 1964
Assets $55.51 million
Loans $35.14 million
Deposits $49.90 million
Capital $5.32 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in the cities of Buffalo and Lackawanna and the municipalities of Aurora, Cheektowaga, Depew, East Aurora, Elma, Lancaster, Orchard Park, Sloan and West Seneca, New York.

Deposit Rates - February 16, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.85% $1,000 $98,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.65% $1,000 $98,999 Learn MoreShow Less
0.85% $1,000 $98,999 Learn MoreShow Less
1.50% $1,000 $98,999 Learn MoreShow Less
1.10% $2,500 $98,999 Learn MoreShow Less
1.25% $2,500 $98,999 Learn MoreShow Less

Loan Rates - February 16, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for WESTERN NEW YORK

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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


Below are Western New York 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 New York Locations

Financial Details

Western New York Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western New York. 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 New York U.S. Average
5.80% 5.86

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 June 30, 2019, Western New York had $265,769 in non-current loans and $53,577 in owned assets. To cover these potential losses it had $5,323,646 in net worth and $182,019 in loans loss reserves. That gives it a Texas Ratio of 5.80%.

Net Worth
Western New York U.S. Average
9.59% 13.65%

Western New York FCU has a net worth of 9.59% versus the BestCashCow average of 13.65. 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 New York

Branches and Savings

What is Western New York?

A federal credit union, registered with the NCUA under certificate #16042.
Learn more about credit unions here.

Is Western New York 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 New York?

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

What are Western New York's share account and share certificate rates?

Western New York'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 New York?

Western New York has total capital of $5.32 million. Full information on Western New York's financial position is located above.

Who owns Western New York?

Credit Unions are owned by their members.

Where are Western New York branches located?

See branch locations nearby.

Are Western New York ATMs Open 24/7?

Do Western New York ATMs accept cash deposits?

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

Does Western New York have a mobile app?

Does Western New York have mobile deposit?

Does Western New York have quick pay?

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

Does Western New York report to credit bureaus?

Does Western New York use Chexsystems?

Does Western New York use Equifax?

What is Western New York's toll free phone number?

What is Western New York's ACH Routing Number?

What is Western New York's SWIFT code?

Where can I find Western New York's wire transfer form?

What is the Western New York address for deposits?

What Products Does Western New York Offer

Does Western New York offer mortgages?

Compare mortgage rates here.

Does Western New York offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Western New York offer auto and RV loans?

Compare auto loan rates here.

Does Western New York offer student loans or personal loans?

Compare personal loan rates here.

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