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



Savings Accounts

With an incredibly competitive savings rate of 0.50%, your money works harder for you, helping you reach your financial goals faster. Start growing your wealth today with peace of mind and security.

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Checking Accounts

Enjoy the freedom of 10 free ATM withdrawals per month, nationwide. With easy access to your funds, managing your finances has never been easier. Discover the simplicity and flexibility you deserve.

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Share Certificates (AKA CD)

Maximize your returns and lock in your savings with our share certificates, also known as CDs (Certificate of Deposit). Offering competitive rates and guaranteed returns, our certificates provide a secure way to grow your money over a fixed term.

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Christmas Club

Make your holiday dreams a reality with our Christmas Club accounts. Offering a convenient and disciplined way to save, our club account helps you set aside funds throughout the year, ensuring a stress-free and joyous holiday.

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Ways to Open an Account

Open an Account Online.

We will get in touch to complete the process.

Visit the credit union.

  • Speed up your visit by filling out an APPLICATION ahead of time.
  • Bring proof of identification (Driver’s License, Passport, Military ID)
  • Bring your initial deposit of $25.00

Membership Account Agreement and Disclosures

Truth-In-Savings and Fee Schedule

Eligibility Requirements

Who Can Join?

  • Employees of Conrail
  • Employees of CSX
  • Employees of Norfolk Southern
  • Employees of Amtrak
  • Employees of Forest Materials
  • Employees of Transportation Resources
  • Employees of Bison Iron & Step
  • Employees of Rusiniak’ s Service Inc
  • Members of the WNY Railway Historical Society
  • Members of Trinity United Church of Christ
  • Members of William Street Citizens & Taxpayers Protective Assn.
  • You’re an immediate family member of, or share a household with a Buffalo Conrail FCU member.
  • Persons retired as pensioners or annuitants from the above employment

Immediate family is defined as a spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships. Household is defined as persons living in the same residence maintaining a single economic unit.

Savings Account (Share Account)

A Savings Account (Share) at Buffalo Conrail FCU is your point of entry to all of the great products and services we offer. With an initial deposit of $25.00, you get access to great loan rates and service you can trust.

Account TypeMinimum DepositRateAPY*
Primary Savings Account$25.50%.50%
Additional Savings Account$0.50%.50%

*APY = Annual Percentage Yield. Average daily balances of $200 or more are paid quarterly on Regular Share and Club Accounts. Rates subject to change at any time without notice.

Checking Account (Draft Account)

A Free Checking Account at Buffalo Conrail is your opportunity to escape traditional banking fees. With debit cards and mobile banking, you can access your funds anywhere, anytime.

  • No monthly service charges
  • Free VISA debit card
  • 10 free ATM withdrawals per month, nationwide.
  • Direct Deposit
  • Online Banking

Account TypeMinimum DepositRateAPY*
Checking Account$0.00%.00%
Additional Checking Account$0.00%.00%

Share Certificates (AKA CD)

Invest confidently with our share certificates, providing a stable and guaranteed avenue for growth in an ever-changing market.

Minimum DepositTermRateAPY*
$5006, 8, 10 or 12 Months2.25%2.25%
$5,000 Old Money6, 8, 10 or 12 Months3.75%3.77%
$5,000 New Money6, 8, 10 or 12 Months4.00%4.02%
$25,000 Old Money6, 8, 10 or 12 Months4.10%4.13%
$25,000 New Money6, 8, 10 or 12 Months4.25%4.28%

New money is defined as money not on deposit with Buffalo Conrail FCU or deposited within 30 days prior to account opening. Internal transfers between other Buffalo Conrail FCU accounts do not qualify.

Christmas Club

Make holiday budgeting stress-free with a Christmas Club account. An annual dividend is paid at the end of October and transferred to your savings account in early November. Join now and let us help you save smarter for the festive season.

Account TypeMinimum DepositRateAPY*
Christmas Club Account$0.50%.50%

Early withdrawals are subject to a fee.

Buffalo Conrail Federal Credit Union 2024