Welcome to South Towns FCU

3040 South Park Avenue | Lackawanna, NY 14218  ::  716 827-7788

We will be closed Thursday November 11th in Observance of Veterans Day &
We will be closed Thursday November 25th for Thanksgiving.

October 1-December 31: Christmas Loan Special up to $2,500.00 @ 2.50% for up to 1 year *Restrictions Apply

October 15th- November 15th: Home Improvement Special $10,000.00 @5% for 60 months *Restrictions Apply

Effective June 1, 2021 the fee for bank checks will be increasing to $3.00 

If you are fully vaccinated you are not required to wear a mask

Starting in December the monthly charge for statements will be $3.00. Make sure to sign up for E-Statements for free. If you need any help in signing up for E-Statements just let us know and we can walk you through the process.

NEW HOURS (beginning Monday June 8th) Monday, Tuesday, Wednesday and Friday 9-4 and Thursday 9-5



South Towns Community Federal Credit Union was formed in 1967 by employees of the South Buffalo Railway employees.

They wanted an alternative to commercial financial institutions and to provide low interest loans and safe savings vehicles for their fellow employees. As a member-owned cooperative financial institution, the credit union now has over 4000 members, assests exceeding 10m and has grown to serve many employees of various companies.

As another financial institution, we may appear similar to a bank, but there are several differences that make us unique. STCFCU is a not-for-profit cooperative where people who have accounts are members, not customers. As a member, you own a share of the financial institution, and have one vote, regardless of the size of your account. Our members elect a volunteer board of directors who establish policies and oversee the operations of the credit union. Profits earned by the credit union are returned directly to you and your fellow members in the form of high dividend rates, low loan rates, and reduced fees for services.


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