Products and services
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Share accounts
Whether it's a lifelong dream or a weekend getaway, Erie County Employees Credit Union offers a variety of great savings options to help you get there. They're all NCUA-insured, so you know your money is safe. Our deposit accounts let you earn competitive dividend rates while keeping your money totally liquid so you can get to it when you need it.
Regular Share (Savings) Account
Our share account works just like a regular passbook savings account, but as an owner, you earn competitive dividends. The more you invest in your share account, the stronger your financial outlook will become.
Christmas Club
The Christmas Club Account lets you save money all year long for holiday shopping. Just make regular deposits throughout the year and watch your savings plus dividends grow. Funds are transferred to the members' savings accounts on November 1st.
Fun Club
Similar to our Christmas Club Account, the Fun Club Account lets members save money for all that summer fun. This club goes from July 1st to June 30th.
Share Certificate (CD)
A share certificate is a high-yield means of earning the maximum return on your deposit. Rates and terms vary, so check with the credit union for current information.
Share Draft (Checking) Account
Our Share Draft account is an exceptional value. It's FREE!
- 40 FREE checks
- No monthly service fees
- No minimum monthly balance requirement
- Unlimited check writing (no per check fee)
- Monthly statements for easy balancing
- Add Direct Deposit or Payroll Deduction
- Visa Debit Card
LET'S GET YOU STARTED
Loan services
Erie County Employees Credit Union offers a full range of loan services tailored to your needs. The credit union uses a credit based lending program to help as many members as possible obtain credit. Our goal is to offer our membership the lowest possible loan rates while continuing to pay dividends to our saving members.
You can expect all of our loan services to come with the prompt and friendly service you deserve as a member-owner of Erie County Employees Credit Union.
Vehicle Loans
Searching for just the right vehicle can be extremely time consuming. Don't waste additional time searching for a place to finance your loan. Our rates are competitive, the loan application process is quick and convenient, and the service you'll receive is friendly and efficient. We finance both new and used vehicles.
Recreational Vehicle Loans
The credit union also offers financing for Motorhomes, Travel Trailers, Boats, Motorcycles, Jet Skis, and Snowmobiles.
Unsecured Loans
Upon approved credit, the credit union offers Unsecured Loans. Sometimes called "Signature Loans", these loans don't require any collateral, just your promise to pay, making them a great alternative to credit cards for smaller expenses like vacations, car repairs, or holiday gift giving.
Share Secured Loans
Share Secured Loans are loans backed up by your own Share (Savings) Account. Naturally, these loans have a lower interest rate because payment is guaranteed by an amount in your share account that is equal to the balance of the loan. Your savings will continue to earn dividends while you are paying up the loan, making this loan perfect for first time borrowers wanting to establish their credit.
VISA Credit Cards
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Real Time Home Banking
Erie County Employees Credit Union is proud to introduce our new home banking platform. Get real time access to all of your finances. Whether you are at home or on the go you can bank on your time.
Login Enroll
Manage your finances on desktop and mobile!
Security
Multiple levels of security to ensure your money is safe!
Transfers Funds Instantly
Transfer funds to other credit union accounts or loans.
ENHANCE YOUR MEMBERSHIP
Additional services
Along with savings, checking and loan services, Erie County Employees Credit Union offers a number of additional services to its members. These services are simply meant to help enhance your benefits as a member of the Credit Union and they are available to you either for free or at a very minimal cost.
Payroll Deduction
As a member of the Erie County Employees Credit Union, you can deposit funds into your savings and checking account or make loan payments through our convenient payroll deduction. When you apply for a savings/checking account or a loan, you can elect what amount should be deducted from your pay. That amount will be automatically deducted each paycheck and distributed to your accounts.
Direct Deposit
Convenient automatic and safe, Direct Deposit is a smart and easy way to have your paycheck, retirement check, or Social Security check deposited automatically into your account.
Money Orders
A money order is a fast, convenient way for members to transfer funds from their Erie County Employees Credit Union account to another financial institution. There's no waiting or delays when the order is made, so you can be assured that the party on the other end has immediate access to the wired funds.
Secured Loan
Share Secured Loans are loans backed up by your own Share (Savings) Account. Naturally, these loans have a lower interest rate because payment is guaranteed by an amount in your share account that is equal to the balance of the loan. Your savings will continue to earn dividends while you are paying up the loan, making this loan perfect for first time borrowers wanting to establish their credit.
Free Notary Public
Erie County Employees Credit Union has employees that are able to notarize your documents. This service is free to all members of the credit union. Please bring your state- or government-issued identification such as your driver's license or passport when you come in to have your documents notarized.
Scorecard Rewards
Scorecard Rewards now available for Visa Credit card purchases. Please visit scorecardrewards.com for more information
2 ATM's
95 Franklin St. Buffalo, NY 14202
92 Franklin St. Buffalo, NY 14202
ATM's owned by ECECU that are completely surcharge and fee free for members.
Visa Check Card (ATM/debit)
Easy access to cash. Can be used for point of sale transactions with a share draft account.
Visa Gift Card
Can be used wherever Visa is accepted. $5.00 fee per card.
Foreign Currency
We can order foreign currency for members that costs a flat rate of $14.50 and an exchange rate of that day.
Automated Voice Response Unit (VRU)
Members can easily check their account information via telephone during or after business hours.
Courtesy Pay
Overdraft protection up to $300.00 on your draft account for added peace of mind.
Wire Transfers
Domestic wire transfers are available for flat fees.