In June of 1937, the Niagara Hudson Western Division Employees Credit Union, was incorporated to serve the financial needs of the Niagara Hudson Power Corporation (Niagara Mohawk/National Grid) employees. These employees were interested in creating a place where they could save and borrow money safely, confidentially, and at a fair rate of interest.
The credit union started with two employees housed in a one room office in the basement of the historical 'Electric Building' in Buffalo, NY. Today, Western Division is one of the largest credit unions in Western New York having grown from serving exclusively National Grid employees and family members to now serving over 400+ different employer groups, unions, churches and associations in Western New York within our Field of Membership.
The credit union started with two employees housed in a one room office in the basement of the historical 'Electric Building' in Buffalo, NY. Today, Western Division is one of the largest credit unions in Western New York having grown from serving exclusively National Grid employees and family members to now serving over 400+ different employer groups, unions, churches and associations in Western New York within our Field of Membership.
Services
Vehicle & Truck
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We believe shopping and financing for your vehicle whether it's your first car, your dream car or just a car to get around, should be fast and simple. That is why we offer the same great rates and terms for new, used, refinanced or lease buy-out (with no fees!) on cars and trucks. Is your current loan rate (from another dealer or financial institution) higher than ours?.
VISA Credit Card
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Whether you are shopping around the corner or around the world, your VISA Credit Card provides the purchasing power you need. If you need to establish credit or to help rebuild a positive credit history, this card is for you. This card reports to all three credit bureaus (unlike pre-paid cards). So Easy - We offer a delivery system to streamline your loan process.
Home Equity Loan or LOC
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Rates are at an all-time low, so even refinance and save on your rate (from other financial institution) or refinance those high interest loans you have elsewhere for those projects you have already completed.) The Line of Credit is a good choice if you aren't sure exactly how much money you may need over what period of time you'll need it.
Homebuyer Dream Program
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This is a $10,000 grant program offered to eligible first time home buyers. Grant money can be used to pay up to $9,500 towards down payment and closing costs and $500 as credit towards an approved homeowner counseling program. Be a qualified first-time home buyer (someone who has not owned a home in the last 3 years).
Regular Savings
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A great way to strengthen your finances and still maintain access to your money. This account establishes your membership and makes you an owner of Western Division and provides you access to all of our products and services. Sub Savings are budget-friendly account(s) to help you set aside money for specific goals such as a vacation, taxes or something special customized just for you.
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