Business Details
50+ Years
experience
Trusted Community Credit Union in Buffalo NY
Founded in 1973, our credit union was established to provide accessible financial services to underserved communities in Buffalo, NY. Initially serving members of St. John Baptist Church, we expanded our field of membership to include all residents, workers, worshippers, and students within Buffalo. As a Community Development Credit Union (CDCU), we prioritize financial education, community revitalization, and volunteer-driven operations. Over 50 years, we've issued over 3,100 loans totaling $8 million while maintaining a unique model of volunteer-led service. Our programs include youth savings initiatives, financial workshops, and Individual Development Accounts that match member contributions.We operate without paid staff, relying on dedicated volunteers to maintain our 'People Helping People' philosophy. Our mission focuses on fostering economic empowerment through accessible savings opportunities and responsible lending practices. We partner with local organizations to extend our impact in low-income areas. Our seasonal loan specials and community partnerships reflect our commitment to financial inclusion. As a federally chartered institution under NCUA oversight, we combine regulatory compliance with personalized service to meet our members' needs.
Services
Auto Loans
Savings Accounts
Personal Loans
Financial Counseling
Youth Savings Programs
Share Secured Loans
Home Improvement Loans
Details
- Year established: 1973
Highlights and features
- We operate as a fully volunteer-driven financial institution
- Our community development focus serves Buffalo's underserved populations
- We offer financial education workshops and youth savings programs
- Our Individual Development Account program matches member contributions
- We've maintained continuous service to Buffalo communities since 1973
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We provide low-rate auto loans for new and used vehicles with competitive terms. Our financing options help members purchase reliable transportation while building credit history. Loan specialists work personally with applicants to find suitable financing solutions.
Savings Accounts
Our regular share savings accounts offer accessible, interest-bearing options for members at all financial levels. Special programs include Holiday Savings Clubs and Youth Encouraged To Save (YES) accounts that promote financial responsibility from an early age.
Financial Counseling
We offer free financial workshops and one-on-one counseling to help members improve money management skills. Services include budgeting guidance, credit education, and debt management strategies through community partnerships with local financial institutions.
Personal Loans
Our personal loan programs support members' financial needs with responsible lending practices. Available for bill consolidation, medical expenses, or home improvements, these loans feature fair rates and flexible repayment terms tailored to individual circumstances.
Youth Programs
We provide specialized savings programs for young members including youth accounts and financial literacy workshops. These initiatives teach money management skills and encourage early savings habits through interactive educational experiences led by community volunteers.
People
Bertha Drayton
President
Bertha Drayton leads our volunteer board of directors with over 20 years of service to the credit union. She oversees strategic direction while maintaining our community-focused mission and volunteer-driven operations.
Questions
Who can join St. John United Federal Credit Union?
Anyone who lives, works, worships, or attends school in Buffalo, NY can become a member. Membership starts with opening a share savings account.
What loan programs do you offer?
We provide auto loans, personal loans, home improvement loans, and seasonal loan specials with competitive rates. Special programs include medical expense financing and bill consolidation options.
How are you different from traditional banks?
We operate as a volunteer-led credit union without paid staff, focusing on community development. Our profits return to members through better rates and financial education programs.
What are your office hours?
Our physical office is open Saturdays from 9:00 AM to 12:00 PM. Loan applications and account services can be processed by mail or fax during other days.
Do you offer online banking services?
While we prioritize personal service, we provide essential digital tools for account management. Contact us directly for specific online service inquiries and setup options.
