Phone: (716) 897-2383 • Email: • Routing #: 222 079 440

About Us


The Congress of the United States enacted what is now known as the Federal Credit Union Act on June 26th, 1934, and cited to the text was entitled

An act to establish a Federal Credit Union System to establish a further market for securities of the United States and to make more available to people of small means credit for provident purposes through a national system of cooperative credit, thereby helping to stabilize the credit structure of the United States.

By virtue of this Act, Mr. Thomas A. Mahoney and several other employees of the New York Central Railroad at Buffalo, NY, initiated an active interest and a physical effort to obtain a charter and establish the New York Central System Employees Buffalo Federal Credit Union.

Charter No., 845 was granted and operation of this Credit Union began on January 13th, 1936. The group of Organizers recognizing Mr. Mahoney’s leadership and enthusiasm chose him as the first president. Mr. Mahoney continued in this office for twenty (20) years until his promotion to an official position by the New York Central to East Rochester, NY.

The Credit Union maintained its office at Central Terminal Building, Buffalo, New York. Sixteen (16) subscribers subscribed to shares, from one share to twenty shares to start the Credit Union.

New York Central System Employees Buffalo Federal Credit Union, Charter #845, name was changed to Buffalo Penn Central Federal Credit Union on September 13th, 1978. Later changed to Buffalo Conrail Federal Credit Union. The field of membership includes employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad and Norfolk Southern. Approved March 14th, 2000. Our primary field of membership includes railroad employees, retirees, other SEG groups and their extended families.

buffalo central terminal

Mission Statement

Our Credit Union’s main objective is to provide outstanding financial services to its members. Our primary field of membership includes railroad employees, retirees, other SEG groups and their extended families. We are federally insured by the National Credit Union Administration (NCUA). Each members’ deposits are backed by the full faith and credit of the U.S. government to $250,000.00.

Buffalo Conrail FCU is owned by the members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (716) 897-2383.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions. In order to do so, we have entered into agreements with other companies that provide services to us.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Buffalo Conrail Federal Credit Union 2024