Good Neighbors Credit Union
Credit Union
Credit Unions in Buffalo, New York
Connect with 5 trusted credit unions serving Buffalo and surrounding areas
5
Credit Unions in Buffalo
52
Total Mortgage Professionals
1
Listings With an NMLS ID
Top Credit Unions in Buffalo, New York
Browse 5 local credit unions who understand the Buffalo market and can help you secure competitive mortgage rates and terms.
Cadets Federal Credit Union
Credit Union
SEFCU
Credit Union
SEFCU
Credit Union
NMLS #458314
Fixed Rate ARM Conventional
FHA
VA
One Credit Union Of New York
Credit Union
130 S Elmwood Ave #126, Buffalo, NY, 14202
First-Time Buyer
Credit Unions in Buffalo, NY by the numbers
Of the 3 credit unions in Buffalo, NY that publish their loan programs, 2 (67%) offer HELOCs and home equity loans, 1 (33%) offer FHA loans and 1 (33%) offer VA loans.
HELOCs and home equity loans2 of 3 (67%)
FHA loans1 of 3 (33%)
VA loans1 of 3 (33%)
Conventional loans1 of 3 (33%)
Jumbo loans1 of 3 (33%)
USDA loans1 of 3 (33%)
First-time buyer programs1 of 3 (33%)
Construction loans1 of 3 (33%)
Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 3 of 5 listed credit unions that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.
Other Mortgage Professionals in Buffalo
Credit Unions in other New York cities
- New York (1)
- Rochester (3)
- Cheektowaga (1)
Why Choose Local Credit Unions in Buffalo?
Local Market Expertise
Buffalo credit unions have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to New York. This expertise can help you navigate the local market more effectively.
Personalized Service
Working with local credit unions means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.
Competitive Rates & Terms
Local credit unions often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Buffalo market.
Community Connections
Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.
Frequently Asked Questions
How do I choose the right credit union in Buffalo?
Shortlist at least three credit unions in Buffalo, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in New York, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.
What questions should I ask a credit union?
Ask about their experience in the Buffalo market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.
Are Buffalo credit unions better than online lenders?
Local credit unions offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.
Ready to Connect with Buffalo Credit Unions?
Get matched with the perfect credit union from our network of 5 local professionals