Save. Plan. Retire.

Amherst Federal Credit Union

Amherst Federal Credit Union offers its member-owners personalized service, consumer education, and competitive financial rates while remaining financially sound. Membership is open to those living, working, worshipping or attending school within Erie County’s Towns of Amherst, Cheektowaga West Seneca or Depew and in its Village of Depew in New York State.

Vision Values & Mission

Please be aware: the Amherst Federal Credit Union site/services may include inaccuracies and typographical errors, with changes periodically being made to them as well as their content.

Josh leads Filene’s Incubation Department, testing innovative solutions with the potential to assist credit unions in expanding and improving member financial well-being. Josh believes credit unions can make an impactful statement about themselves by prioritizing people over profit and showing commitment to community service.

Renee’s high energy and forward thinking helped transform AACUC into the premier voice on Diversity, Equity and Inclusion within the credit union movement. She believes strongly in creating value to benefit her local community as the basis of all successful businesses.

Routing Number & Locations

Amherst Federal Credit Union’s American Bankers Association (ABA) routing number is 222382425 and serves to identify which financial institution holds your checking account. It can also assist in transactions such as direct deposit, automatic bill payments and wire transfers.

Your routing number can be found either on your bank statement or online banking portal, and should be provided to foreign banks when sending international money transfers. By doing so, this ensures funds arrive quickly and accurately at their destinations – not to mention Wise can even help save on international money transfer fees! Click here for more details about Wise.


Credit unions differ from banks in that earnings from operations are returned directly to members in the form of higher dividend rates on savings, lower loan interest rates and fees, as well as staff dedication to provide confidential, personalized service.

Amherst Federal Credit Union offers various checking accounts, such as its Fresh Start Checking account which gives people a second chance to bank responsibly and regain full share draft access after previous difficulties. They also offer overdraft protection. Lastly, all their checking accounts are NCUA insured up to their maximum allowable limits by law.


Amherst Federal Credit Union offers an extensive range of banking services designed to support you on your financial journey. Members have access to savings solutions, credit cards and loans that are competitively priced while tailored specifically for their spending habits and lifestyle needs.

Credit union earnings are returned to member owners through higher dividends on savings, reduced loan rates and fees, as well as management’s commitment to confidential personal service and services provided by staff and management. Deposits insured up to $250,000. National Credit Union Administration (NCUA).

AFCU makes saving simple. Use payroll deduction or direct deposit to set aside money every pay period automatically.

Loans & Credit Cards

Offering members superior personal service, consumer education, and competitive financial rates.

Amherst Federal Credit Union is a not-for-profit financial institution owned by its members and offers them access to a full range of products and services such as checking and savings accounts, loans, and credit cards.

Membership of Amherst Chamber is open to individuals who reside, work, worship or attend school in Amherst, Cheektowaga, Depew or West Seneca or are employees of select area organizations.

Amherst Federal offers the Fresh Start Checking account to those whose past bank misdeeds disqualify them from using a regular share draft (checking) account, so they may establish healthy banking practices and eventually work their way back up to full share draft (checking) account access.

Retirement Planning & Investments

Over their career, most people will change jobs 11 times; as a result, you’re likely to change employer-sponsored retirement plans multiple times. A CFS financial advisor can assist in setting savings goals and selecting an optimal option suited to your unique situation.

Buffalo First Wealth Management serves the Amherst area by providing financial services including income tax planning, estate planning and retirement plan management; investment consulting as well as 401k assistance are also offered.

Credit cards from Credit One offer competitive interest rates and rewards programs, while its Fresh Start checking account helps people rebuild their credit. Both products are exclusive to qualified members only.






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