One Credit Union

Use up to 100% of Your Equity with our Mini-Equity Loan!

When your home’s equity is tight, our Mini Equity Loan is a great alternative to traditional home equity loans or a home equity line of credit.

Proudly Serving Erie County Since 1933!! ONE Credit Union is the oldest credit union in Erie County. Membership is open to any person who either lives, works, worships or goes to school in Erie County, New York!

Make Your New Ride Affordable with Our Auto Loan Rates!

Whether you’re looking for new car loan rates, used car loan rates or RV loan rates, ONE Credit Union can help you get the terms and auto loan rates that make sense for your budget.

Your Free Checking Account is Backed by the National Credit Union Administration

As a member of ONE Credit Union, you’ll enjoy the peace of mind that comes with knowing all of your ONE Credit Union deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.

Reach Your Goals Quicker with a Term Share Certificate near Buffalo, NY! Take advantage of great savings options like term share certificates, a secure way to grow your savings faster. All of your ONE Credit Union deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.

Live Life to the Fullest in Retirement with an IRA from ONE Credit Union. With a ONE Credit Union IRA, you can save even more for retirement. Retirement savings with an IRA from ONE Credit Union can help you live comfortably in retirement.

Whether you want to spend more time doing the things you love, travel during retirement, or buy some things you’ve always wanted, our IRAs can help you reach your retirement goals.

Enjoy the full buying power of a Visa® credit card and the peace of mind that comes with knowing there are no hidden fees. We now offer a wide variety of credit cards to fit your financial needs

Rewards Card: Earn points with every purchase. Redeem for gifts, travel, gift cards and cash back!

Savers Card: Get rewarded for saving! In lieu of rewards, a lower interest rate is offered on this card.

Credit Builders Card: Focus on building your credit history!

No need to worry about late fees, ONE Credit Union is introducing MessagePay, a convenient tool designed for those moments when time is of the essence. With MessagePay, making a payment quickly to avoid late charges is possible and cost-effective.

MessagePay transforms how you handle your loan payments with us. This cutting-edge platform enables you to initiate payments swiftly from your mobile device through a simple text message, leveraging any external bank account. It’s the ideal solution for ensuring your payments are on time, especially when you’re down to the wire.

Limited time special rate!
APR* As Low As:
Up to 24 months 4.50%
25 to 36 months 5.00%
37 to 48 months 5.25%
49 to 60 months 5.50%
61 to 72 months 6.00%
73 to 84 months** 7.00%

Lock in a competitive rate that provides you with a guaranteed return on your investment! Whether you’re saving for a major purchase, planning for retirement, or simply looking to put your money to good use, our share certificate is the ideal solution!

Looking for an auto loan? At ONE Credit Union we are offering great low rates!

Learn more today: https://www.onecreditunion.org/loans-credit-cards/auto/

Use up to 100% of Your Equity with our Mini-Equity Loan!

When your home’s equity is tight, our Mini Equity Loan is a great alternative to traditional home equity loans or a home equity line of credit.

- Borrow up to 100% of the equity in your home (less than the existing balance on any mortgage loan)
- Borrow up to $25,000 at a fixed rate
- Pre-pay with no penalty
- Pay nominal closing costs* (typically less than $520)

ATM Locations: With over 35,000 surcharge-free Allpoint ATMs in the U.S. and 55,000 worldwide, there’s always a surcharge-free ATM near you. So it’s easy to get cash using your OCU Visa® Debit Card. You’ll find convenient Allpoint ATMs at Wegmans, Rite Aid, CVS and Target, just to name a few.

Skip a Payment!! At OCU, we get it. We understand that sometimes it can be hard to keep up with all of your bills. That’s why we offer a Skip-a-Payment program!

Affordable Financing with a ONE Credit Union Personal Loan!!

At ONE Credit Union, members have access to low rates on unsecured personal loans and secured personal loans. Personal loans for home repairs and projects, weddings, car repairs, vacations and holiday spending – any of life’s events. No matter what you need, your credit union has you covered!

Since 1933, we’ve been there for our neighbors in the Buffalo, NY area. From free checking accounts that make your life a little easier with mobile and online banking, to planning for a brighter tomorrow with savings accounts and IRAs, we’re here for what life brings you today and tomorrow.

Everyone wants to make the most out of life, and we help make it possible with auto loans, home equity loans, credit cards and more.

At ONE Credit Union, we make decisions with your best interest in mind. We’re owned by our members, people like you who have accounts or loans with us. That means that we answer to you — not stockholders.

Our members can take advantage of our competitive HELOC rates and auto loan rates with affordable monthly payments. Interested in opening an account or applying for a loan or credit card? ONE Credit Union makes it quick and easy.

Protect Your Autos, Home, Possessions & Family With TruStage! We’re proud to partner with TruStage to offer our members money-saving auto, home, and life insurance. TruStage has been servicing credit unions for over 75 years, providing members with trusted and affordable products. It’s just another benefit of being a ONE Credit Union member!

Personal Lifestyle Loan: An unsecured personal loan gives you extra cash when you need it. Borrow up to $15,000 with terms up to 60 months. You’ll enjoy competitive rates and fast access to your money!

All ONE Credit Union offices will close at 12:00 PM on Monday, April 8, 2024.

Live Life to the Fullest in Retirement with an IRA from ONE Credit Union.

Social Security may not be enough and you deserve to fully enjoy your retirement with all the hard work you’ve put in over the years. With a ONE Credit Union IRA, you can save even more for retirement. Retirement savings with an IRA from ONE Credit Union can help you live comfortably in retirement.

Whether you want to spend more time doing the things you love, travel during retirement, or buy some things you’ve always wanted, our IRAs can help you reach your retirement goals.

Board Membership: ONE Credit Union Board of Directors

If you feel you can contribute to the success of the credit union by serving on the board, please call Jim Furman at (716) 842-1320.

When You’re Looking for ONE Credit Union, We’re Here to Help

ONE Credit Union offers checking and savings accounts for your everyday finances, a nationwide network of surcharge-free ATMs and loans that empower you to make your dreams not only possible but affordable, too.

When you need financing for a known expense like a new roof or debt consolidation, a Home Equity Loan offers a fixed rate and a steady monthly payment.

Borrow up to 85% of the equity in your home (less than the existing balance on any mortgage loan). Financing is available up to 15 years

Reach Your Goals Quicker with a Term Share Certificate near Buffalo, NY

Take advantage of great savings options like term share certificates, a secure way to grow your savings faster. All of your ONE Credit Union deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.