How can you or your company Join our credit union?
By living, working, worshipping, volunteering or going to school in Erie, Chautauqua or Cattaraugus Counties. Contact us for more information by visiting any of our branches or by calling 716-831-3007 or emailing us at

What are Credit Unions?
Credit unions, like the Financial Trust Federal Credit Union, are financial cooperatives that are operated solely for the benefit of their members. Unlike banks, credit unions are not-for-profit organizations, so the primary focus is on how we can best benefit our members' economic well-being, not on making a profit.

When you become a member, you also become an owner of the credit union. So each member/owner has a voice in how the credit union is run and can earn dividends, depending on how profitable the credit union is.

Each year at the annual meeting, you and your fellow members will help elect a Board of Directors who run the credit union as volunteers working for the membership. This board meets once a month to determine policies, establish goals, and set savings and loan interest rates-rates that are usually far more competitive than those offered by any bank.

More and more people are finding that the benefits of credit union membership far exceed the advantages any bank can offer. And the motto that was long ago established by credit union founders --"Not for profit, not for charity, but for service"-- still rings true today.

Who is Financial Trust Federal Credit Union?
Established in 1950, Financial Trust Federal Credit Union has grown with all of Erie, Chautauqua and Cattaraugus Counties as our Community.

Over the years, we have evolved into a full-service financial institution, expanding to meet the changing needs of our members and to provide a greater number of individuals with the opportunity to enjoy all the benefits and savings we offer.

We are proactive in determining the individual financial needs of our members and providing them with appropriate products and services.

The following is the VISION the Board of Directors has adopted.


To be recognized as a trusted, convenient, service oriented, secure and well-managed, member owned, local financial service provider to members of Financial Trust FCU, their families and by the communities of Erie, Chaautauqua and Cattaraugus Counties. This recognition will be shared by our membership, employees, volunteers and business partners.

To offer value through a strategic array of cost effective, competitive products and services that will provide benefits to our members. Our products and services will be flexible to meet our members needs on a personalized basis.

We will work with members to learn to save as well as increase loan limits to promote a mutually beneficial relationship by providing members with appropriately priced products and services.

We will strive to consistently deliver quality service to our membership that creates a positive experience. We will be proactive in determining the individual financial needs of our members and providing them with appropriate products and services.

Increase credit union visibility and demonstrate commitment through meaningful involvement within our Financial Trust FCU committees and community.

They are business minded, knowledgeable, committed and support management in achieving the credit union's vision and goals.

We will have a diverse staff which is responsive, knowledgeable, technically motivated, professional and results oriented. They will have a thorough understanding of our business, including the competitive forces. They will serve our members multiple financial needs and are committed to working together to achieve the vision and goals of the credit union.

Why would a company elect to have it's employees belong to a credit union?
When an employer offers their employees the opportunity to become a member at a credit union they will enjoy many long-lasting benefits-all at no cost to the company. As a member of Financial Trust Federal Credit Union members will receive significant financial benefits through a variety of products and services that offer substantial savings and potential for financial growth.

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