Welcome to South Towns FCU

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

The lobby will be open again Monday February 1, 2021- Members will be required to wear a mask when entering the credit union and we will be limiting the number of members allowed inside at once to allow for social distancing. If members don’t want to wear a mask, they will still have access to the drive thru. We do still encourage members to continue to use the drive thru. 

Your Credit Union will remain open during regular business hours, and you may contact us by phone for assistance. All electronic services will remain operational during this time. You will still have access to VRU by calling 716-827-7788, Home Banking, and Mobile banking.
Of course, you can also use your debit and credit cards to access your available funds, pay for goods and services, or to access cash at an ATM. If you don’t have a Debit card contact the Credit Union.
We stand ready to assist our membership as it faces the many challenges presented by this global pandemic. We will continue to monitor this situation, and will evaluate the need to maintain this status on a daily basis. We hope to return to normal as soon as it is deemed safe to do so, for the benefit of our members and employees.
In the event of closing tune into WGRZ.

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

COVID-19 Updates



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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