TVFCU is a community financial cooperative committed to providing quality and moderately priced financial services to the people of our community. Our mission is to promote thrift and provide a source of borrowing for provident and productive purposes; thereby helping our members understand and achieve their personal financial goals.
We must also ensure that our organization is financially, ethically, and morally strong to endure for all times. Tonawanda Valley Federal Credit Union is in existence, today, largely because of the many individuals, past and present, volunteer and paid, that have been committed to ensuring that the credit union would achieve and sustain financial prosperity, in order to benefit and serve the citizens of Genesee County and surrounding areas.
We must also ensure that our organization is financially, ethically, and morally strong to endure for all times. Tonawanda Valley Federal Credit Union is in existence, today, largely because of the many individuals, past and present, volunteer and paid, that have been committed to ensuring that the credit union would achieve and sustain financial prosperity, in order to benefit and serve the citizens of Genesee County and surrounding areas.
Services
Account Options
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Additional savings accounts. A Secondary Savings allows you the availability to save and allocate funds for specific purpose(s) all under the same member number. To establish membership, you need your original Social Security Card, current Photo ID, and $5.00. Your Primary Share Savings allows you to take advantage of any of our products and services.
TVFCU’s Payroll Distribution
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Determine how much of your paycheck, social security, retirement, or military check will be deposited. Provide your employer or the depositor with our routing and transit number (222383479) and your member number. For example, from your $100 deposit, you might allocate $25 to Share Account 0, $50 to Share Draft 4, $10 to Secondary Savings 3, $10 to Vacation Club, and $5 to your child's account.
Rates
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Share Certificate dividends are paid on the last day of the month, as per the terms of the individual certificate. Share Certificate rates for new purchases change weekly. Dividends are paid to savings accounts and club accounts on the last day of March, June, September, and December. Our Board of Directors sets the dividend rates quarterly.
Disclosures
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Dividends (other than dividends on Share Certificate Accounts) are paid from current income and available earnings, after required transfers to reserves, at the end of the dividend period. Dividend rates are declared by our Board of Directors at its discretion based on market conditions and are not tied to a specific index.
Loan Options
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TVFCU overdraft line of credit pays your transactions when there are not enough funds in your share draft account to cover them. Only the exact amount needed is transferred from your overdraft line of credit to cover your transactions. Our Second Chance Loan is designed to repair your credit by repaying negative items on your credit report.
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