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iAdvertiser Disclosure
Advertiser Disclosure
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 Western New York Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
Western New York Federal Credit Union's 6 Month CD (CD) rates are at 3.43%, 12 Month CD (CD) rates are at 3.29%, 18 Month CD (CD) rates are at 3.29%, 24 Month CD (CD) rates are at 3.19%, 36 Month CD (CD) rates are at 3.03%. Western New York Federal Credit Union's Personal Loan Rates are at 8.75%. MonitorBankRates evaluates the financial stability of Western New York Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.50%. Rates were last updated on 04/05/2026. Western New York Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Western New York Federal Credit Union? Share your experience about Western New York Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Western New York Federal Credit Union. Western New York Federal Credit Union
Main Office 1937 Union Rd
https://www.wnyfcu.com West Seneca, NY 14224 
Western New York Federal Credit Union CD Rates
Western New York Federal Credit Union Auto Loan Rates
Western New York Federal Credit Union Credit Card Rates
Western New York Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Western New York Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Western New York Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Western New York Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Western New York Federal Credit Union
Website
https://www.wnyfcu.com
Address
1937 Union Rd,
West Seneca, NY 14224
Phone
716-771-5000
Fax
716-675-9644
President
Michael Henry
CEO
Marie Betti
Full-Time Employees
14
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.50%
Return on Assets (ROA)
1.1945%
Return on Equity (ROE)
10.8543%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
88,497,641
Total Amount of Shares and Deposits
78,316,091
Total Shares and Deposits < 1 Year
77,287,044
Total Shares and Deposits 1 3 Years
1,029,047
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
902,590
Total Uninsured Shares and Deposits > $250K (F+J)
902,590
Total Insured Shares and Deposits > $250K (item 17 less item K)
77,413,501
Total Interest Expense (Sum of items 6 8)
271,288
Share Certificates
385
Number of Accounts for Share Drafts
4,468
IRA KEOGH Accounts
50
Number of Accounts for Regular Shares
9,606
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,013,312
Total Liabilities
78,770,396
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Western New York Federal Credit UnionIs Western New York Federal Credit Union a safe place to deposit money?Yes, Western New York Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.498193204428%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Western New York Federal Credit Union operate?Western New York Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Western New York Federal Credit Union?Yes, to access services at Western New York Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Western New York Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Western New York Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Western New York Federal Credit Union offer online and mobile banking?Most modern institutions like Western New York Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wnyfcu.com. Current Western New York Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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