95 Franklin St. Room 111 Buffalo, NY 14202      (716) 858-6245      Office Hours: Monday – Friday 8:30am – 3:00pm    Like us on Facebook!

Rates and fees



EFFECTIVE 12/1/2016

Loan rates


Personal loans

Term Rate (as low as) APR
6-60 months 8.00% 8.00%

New auto loans

Term Rate (as low as)
24 months 2.15%
36 months 2.15%
48 months 2.15%
60 months 2.15%
72 months 3.50%
84 months 4.50%

Used auto loans

Term Rate (as low as)
24 months 2.50%
36 months 2.50%
48 months 2.50%
60 months 2.50%
72 months 4.00%
84 months 5.00%
96 months 6.00%

New Motorcycle, Boat, and RV loans

Term Rate (as low as)
24 months 3.25%
36 months 3.25%
48 months 3.25%
60 months 3.25%
72 months 2.99%
84 months 5.99%
96 months 6.99%

Used Motorcycle, Boat, and RV loans

Term Rate (as low as)
24 months 3.50%
36 months 3.50%
48 months 3.50%
60 months 3.50%

Dream Special

Term Rate (as low as) APR
30 months 5.00% 5.00%
36 months 5.00% 5.00%
48 months 6.00% 6.00%
60 months 7.00% 7.00%
72 months 8.00% 8.00%

Visa Credit Cards

Classic Platinum
15.00% 9.50%

EFFECTIVE 12/1/2016

Savings rates


Please call for rates: (716) 858-6245

THANK YOU FOR YOUR SUPPORT

Fee schedule


The Erie County Employees’ Credit Union recently had to evaluate its Schedule of Fees. The Credit Union will be increasing certain fees, along with implementing new ones. With the rising costs of maintaining these valuable programs, the Credit Union must make adjustments to its fee structure to compensate for these cost increases. Thank you for your support and continued membership in your Credit Union.


Share Draft Account Fees

Funds transfers (two per month) $25.00
Non-sufficient Funds (NSF)(Draft, ACH) $25.00
Deposits / Returned item fee $25.00
Stop Payment on Share Draft $25.00
Stop Payment on Corporate Share Draft $25.00
Share Draft Copy $5.00
Account Reconciliation (per hour) $5.00
The credit union will reserve the right to close a member’s draft account at any time after formally notifying the member of such an action in writing.

ATM / Debit Fees

Non-Sufficient Funds (NSF) $25.00
ATM / Debit Card Replacement Fee $12.00
ATM Fee (1 free per month) $1.00
ATM Overnight Replacement Card Fee $50.00

Other Service Fees (apply to all accounts)

Change of Address Fee (when notified by post office) $5.00
Replacement Lien Release Fee $10.00
Incoming Wire Transfer Fee $5.00
Outgoing Wire Transfer Fee (Domestic) $25.00
Restraining Notice Processing Fee $100.00
Check-official $1.00
Money orders $1.00
Travelers Checks (per $100.00) $0.25
Travelers Checks for two(per $100.00) $0.75
American Express Gift Checks $2.50
Statement Copies $2.00
Dormant Account Fee (over 1 year of no activity) $10.00 per quarter
Negative Balance Fee $25.00 per month
Low Balance Fee $10.00 per month
Early Account Closure (within 6 months) $15.00
Early Withdrawal Fee (Holiday / Fun Club) $5.00

Visa Products

Visa® Late Payment Fee $25.00
Visa® Overnight Replacement Card Fee $50.00
Visa® Gift Card Fee $3.00
Visa® Gift Card Replacement Fee $10.00