LOWER YOUR VEHICLE PAYMENT! REFINANCE WITH US! What rate are you paying elsewhere?

  • 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 (BNBL) 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 BNBL offer? The simple answer is you shouldn’t. But there are some limited situations when considering a BNPL financing option is worth cons...

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