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

  • 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...

https://www.siap.ketapangkab.go.id/ https://econtract.ish.co.id/ https://tools.samb.co.id/ https://orcci.odessa.ua/ https://febi.iainlhokseumawe.ac.id/