Whether it's a lifelong dream or a weekend getaway, Buffalo Fire Department FCU offers a variety of great savings options to help you get there. They're all NCUA-insured, so you know your money is safe.

Our deposit accounts let you earn competitive interest rates while keeping your money totally liquid so you can get to it when you need it.

Share (Savings) Account
Your share (savings) account represents your share of ownership in the Credit Union. This is the primary account for all members. It must have a minimum balance of $5.00 to remain an active account. Dividends are paid quarterly and are based on the average daily balance in your account.

Share Draft (Checking) Account
Your share draft (checking) account, is built for frequent withdrawals. The most common ways that withdrawals are made from your share draft account are by writing checks, or by using your ATM/debit card. When you use either of these methods to pay for something, the funds are immediately withdrawn from your share draft account.

Christmas Club
Christmas Clubs are established for the purpose of giving the member a means by which he/she can save money for a particular occasion ie. Christmas. The account will pay a dividend consistent with our regular Share account (depending on earnings). To earn a dividend, the account must have an average daily minimum balance of $100.00.

Account may be opened beginning on November 1. Club accounts will be available in $5, $10, and $20 denominations. Funds will be paid out during the last 2 weeks in October of the following year. Partial withdrawals will not be allowed. If a member chooses to withdraw funds early, he/she must withdraw all funds and the account will be closed and no deposits can be made to the Club account until the next deposit cycle starts. There will be a $15 early withdrawal fee charged to the account prior to the withdrawal.

Money Market Account
Earn higher dividend rates as your balance grows. Dividends will be compounded Quarterly and will be credited Quarterly. If you close your account before dividends are credited, you will not receive dividend for the period which you close your account.

A maximum of 3 withdrawals are permitted per month. A fee of $5.00 per withdrawal will be charged monthly for any withdrawal exceeding the maximum allowed.