Got Questions?
We’ve Got Answers.
Who can join Sweet Home FCU?
We love growing our family! You’re eligible to join if you live, work, worship, attend school, or volunteer in the Town of Amherst or the Town of Tonawanda. Plus, if you’re already a member, your immediate family members are eligible to join too, regardless of where they live.
How do I actually become a member?
It’s simple and affordable! To get started, just stop by our branch at 1960 Sweet Home Road. All it takes is a quick application and a $5 minimum deposit into a savings account. That $5 represents your “share” in the credit union and makes you an official member-owner.
What’s the difference between SHFCU and a big bank?
The biggest difference is who we answer to. Big banks answer to stockholders, but we answer to you. Because we’re a member-owned, not-for-profit cooperative, we take the money we make and funnel it back to you in the form of lower loan rates, higher savings dividends, and lower fees. Around here, you’re a person, not just an account number.
Can I manage my money without coming into the branch?
Absolutely. We know life is busy, so we offer Online Banking and a Mobile App that lets you check your balance, pay bills, and transfer funds from wherever you are. We also participate in the Allpoint ATM network, giving you surcharge-free access to your cash at over 55,000 locations worldwide.
What kind of loans do you offer?
Whether you’re looking to get behind the wheel of a new car or need a little extra help during the holidays, we’ve got you covered. We offer Auto Loans (often with special seasonal rates!), Home Equity Lines of Credit (HELOC), Personal Loans, and even Credit Cards with no hidden catch. If you have a goal, we want to help you finance it affordably.
Is my money safe at a credit union?
Yes, completely. Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA). This is the credit union equivalent of the FDIC, so you can rest easy knowing your hard-earned savings are backed by the full faith and credit of the U.S. government.
What’s the deal with ATM fees?
Nobody likes paying to get their own cash! At Sweet Home FCU, we keep it simple. You can use your SHFCU VISA Debit Card at our drive-up ATM on 1960 Sweet Home Road for free, anytime. Plus, we give you two free withdrawals per month at other ATMs. If you need more than that, we charge a small $0.50 fee per withdrawal—which is way less than what most big banks charge!
The best part? We’ve partnered with the Allpoint Network, giving you surcharge-free access to your money at over 55,000 ATMs worldwide. You’ll find them at places you already shop, like CVS, Walgreens, and Target. Just look for the Allpoint logo to keep those extra dollars in your pocket.
Discover the Benefits of an SHFCU Membership
Joining Sweet Home FCU is the easiest decision you’ll make all year. We can even help make the transition from your old bank simple and fast.