APR as low as
4.25%
Auto Loan Rates
APR as low as
5.75%
Home Equity Loan Rates
APR as low as
6.50%
Personal Loans Rates
Lackawanna Branch Relocation
Get all the information you need about the temporary relocation and new facilities.
Annual Meeting 2026
Join us for our annual meeting in March and learn about all the changes and member upgrades that have transpired over the past year.
Personal Loans
Personal loans for home repairs and projects, weddings, car repairs, vacations and holiday spending – any of life’s events.
Free Checking Accounts
With a OCU account, check deposits are as quick as taking a picture, & cash is close with 55,000+ surcharge free ATMs.
Experience the difference at ONE Credit Union
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.
Proudly Serving Erie County Since 1933
Auto
As a ONE Credit Union member, you can enjoy some of the lowest auto loan rates around on both new car loans and used car loans.
Mortgage
Buying a new home? Mortgage refinancing? Owner’s Choice Funding’s low-cost financing options have you covered.
Personal
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!
HELOC
It’s the ideal tool when you need to write a check for home or car repairs, remodeling or expanding, paying tuition, or consolidating debt.
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.
