Almost Over! .90% Off Personal Loan Rates!

Posted in KTFCU News, Loan Specials on Mar 24, 2026

To Celebrate 90 Years of Serving our Membership...
ONLY DAYS LEFT TO APPLY!

.90% OFF ALL PERSONAL LOAN RATES
90 Days Only- ENDS March 31, 2026
$ 9,000 maximum allowance

7.10% apr. up to 12 months
7.35% apr. 13-36 months
7.60% apr. apr 37-60 months

Apply Online. Restrictions may apply.

Our CD Rates are still Great

Posted in KTFCU News on Mar 24, 2026

Our Certificate of Deposit rates are very competitive. Have your money earn interest for YOU.

3.25% apy. $ 5,000 & up 12 month term

3.50% apy. $10,000 & up 12 month term

Just give us a call at 716-877-1630 and we'll have your money earning dividends.
Rates shown for January 1st, 2026. Subject to change without notice. Other restrictions may apply.

Buy Now, Pay Later BNPL No-Interest Services (Part 2)

Posted in Board Brief, KTFCU News on Mar 18, 2026

As discussed in the last Board Brief, more retailers are offering Buy Now, Pay Later (BNPL) no-interest options. These products are a form of financing. They are like limited time, zero interest credit cards. The terms may differ, but these are financial products, and they are offered because they increase retail sales and they make someone money, sometimes a lot of money, that can be at the consumer’s expense. So, BEWARE!

When should I consider taking a BNPL offer? The simple answer is you shouldn’t. But there are some limited situations when considering a BNPL financing option is worth cons...

Buy Now, Pay Later BNPL No-Interest Services (Part 1)

Posted in Board Brief, KTFCU News on Feb 18, 2026

More retailers are offering BUY NOW, PAY LATER (BNPL) No-Interest Services. From grocery stores to home improvement stores to apparel stores, many retailers are offering these products. Currently, according to WalletHub-

61% of Americans do not know how differed interest or no interest BNPL purchases work.
51% of Americans say they have agreed to a BNPL plan without being sure they could make the monthly payments.

What are BNPL's? Should I consider taking advantage of them? What are the pitfalls?

First and foremost, these are financial products in the same way a credit card is a financial pro...

Best Practices For Transferring Funds ( Part 2 of 2)

Posted in Board Brief, KTFCU News on Jan 21, 2026

Last Board Brief, we looked at the ways you can transfer money into your KTFCU accounts. In this Board Brief, we look at best practices for moving your money into your KTFCU accounts.

MONEY TRANSFER BEST PRACTICES

General Overview – Money Transfers Into the KTFCU
In general, there are three important types of accounts; Share Savings, Share Draft and, if applicable, Loans.

Overall, it is best to move your money into either your Share Savings or Share Draft account from outside sources before you move the money between your other account(s).

Most of you use Online Banking or the Online Bankin...