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Eligibility

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Membership is open to all of Erie County! If you live, work, worship, volunteer, or attend school in Erie County, you are eligible to become a member of Buffalo Metropolitan Federal Credit Union. Businesses and other legal entities located in Erie County, and immediate family of current members, are also eligible to join.

In the event your eligibility to join the Credit Union cannot be proven with the documentation submitted during this account opening process, you may be asked to submit further documentation (e.g. a pay stub illustrating you work in Erie County or a birth certificate showing relationship with an existing member).

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Do you live, work, worship, volunteer, or attend school in Erie County?

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I am an immediate family member of a current member

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Required Products

Select at least one of the following products required for membership

Savings/Share Account

APY: 0.25% Min Deposit: $25.00

You may select one of the following products

Available Products

Checking Money Market Other Certificate Account

Checking/Share Draft

Our FREE checking/draft account has no minimum balance requirement and no monthly usage fees regardless of the balance you keep in your account. Our online services (online banking, online bill pay, mobile banking and mobile check deposit) are ALWAYS FREE.

Min Deposit: $0.00 Max Deposit: $2,500.00

College Checking/Draft

College students enjoy a free checking account and a waived monthly debit card fee and foreign ATM fees (note a surcharge may be imposed by the ATM owner).

Money Market

With our MMA you earn more than with a savings account and the number of transactions per month is unlimited. There is no set term and dividends are paid quarterly on accounts with an average daily balance of $2,500.00 or more. Note: Electronic withdrawals/debits are not available with a MMA. Rates as of 7/1/24.

Max APY: 1.00% Min Deposit: $0.00

Holiday Club

Open a holiday club account at Buffalo Metropolitan and you'll be prepared for holiday expenses. No minimum balance requirement, no monthly usage fees, and no reason not to start saving today.

13 Month Certificate

Certificate will not be opened until sufficient funds are provided. *Share certificate special, including the stated Annual Percentage Yield (APY*) are a limited time offer. Buffalo Metropolitan Federal Credit Union reserves the right to modify or cancel these offers at any time without notice. The share certificate special requires a minimum deposit of $500.00. Upon maturity, the share certificate special will automatically renew for 12 months at the then current rate of our 12-month share certificate, unless otherwise specified. APY=Annual Percentage Yield. Rate as of 3/5/25. Federally insured by NCUA. Early withdrawal penalties apply. Dividends paid at maturity. Membership eligibility required. Other restrictions may apply.

Max APY: 3.75% Min Deposit: $500.00

6 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/24. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 1.51% Min Deposit: $500.00

12 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 2.00% Min Deposit: $500.00

18 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 2.14% Min Deposit: $500.00

24 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 2.23% Min Deposit: $500.00

36 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 2.44% Min Deposit: $500.00

48 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 2.87% Min Deposit: $500.00

60 Month Certificate

Banks offer certificates of deposit (CDs); credit unions offer Share Certificates. Put your money to work for you by opening a Share Certificate and earn a higher rate of return! We have many different terms to meet your specific objectives. Terms range from six months to sixty months. Dividends paid at maturity. Annual Percentage Yield effective 9/26/2024. If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.

Max APY: 3.71% Min Deposit: $500.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$0.00	N/A
.	0.50%	0.50%	$2,500.00	$0.00	N/A
.	0.75%	0.75%	$10,000.00	$0.00	N/A
.	0.85%	0.85%	$25,000.00	$0.00	N/A
.	1.00%	1.00%	$50,000.00	$0.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.75%	3.75%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	1.50%	1.51%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.00%	2.00%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.15%	2.14%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.25%	2.23%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	2.50%	2.44%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	3.00%	2.87%	$500.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	4.00%	3.71%	$500.00	$500.00	N/A

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'Doing Business As' Information

DBA Business Information

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TIN

SSN

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

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Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Buffalo Metropolitan Federal Credit Union?

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

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Date of Birth

Mother's Maiden Name

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About Your Employment

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Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Date:

Upload Documents

To open an account online, you will need to upload the following which will allow us to identify you:

1st Requirement – Non expired Government ID (driver’s license or non-driver’s license with current address, Passport, U.S. Military ID, or other Government Issued ID)
2nd Requirement – Social security card, birth certificate, a recent pay stub, work ID, or benefit card with picture and signature
3rd Requirement only applicable if your ID does not include a current address - Utility bill, charge account billing, or pay-stub as proof of current residence

In the event your identity cannot be verified, a Credit Union Representative will contact you to discuss other options in opening your account.

Please upload the required identification documentations as explained above.

Click or tap here to capture or upload an image or document.

Additional Information

Please choose a security word you would like the Credit Union to use as a method to verify who you are. We may use this method in the branch or over the phone. Your security word can be a combination of letters and numbers.*

Do you have any beneficiaries?

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Tell Us About Yourself

Minor Information

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Address

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ID Number

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Additional Information

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Buffalo Metropolitan Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Secondary Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

To open an account online, you will need to upload the following which will allow us to identify you:

1st Requirement – Non expired Government ID (driver’s license or non-driver’s license with current address, Passport, U.S. Military ID, or other Government Issued ID)
2nd Requirement – Social security card, birth certificate, a recent pay stub, work ID, or benefit card with picture and signature
3rd Requirement only applicable if your ID does not include a current address - Utility bill, charge account billing, or pay-stub as proof of current residence

In the event your identity cannot be verified, a Credit Union Representative will contact you to discuss other options in opening your account.

Please upload the required identification documentations as explained above.

Click or tap here to capture or upload an image or document.

Additional Information

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Would you like to receive an email or text message regarding the status and/or updates on your application? (If you no longer wish to receive emails from us call 716-847-6960 or send us an email at bufmet@bflometrocu.org)*

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Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Please review the Member Agreements & Disclosures. This document contains many of the terms and conditions that will apply to your account(s).

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I understand that there is a $2.00 monthly debit card fee and that Mastercard debit cards CAN NOT be used for car rentals.

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I have reviewed the following Patriot Act Notice. To help fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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