Effective 4/9/2020 home equity loans are no longer available!  We are sorry for the inconvenience!   


Due to the COVID-19 outbreak and for the safety of both staff and members, the credit union will be closing the lobby service as of  Monday, 3/23/2020 at 4:30 PM. 

Please use the side window for any transactions.

Revised Office Hours:

Monday & Wednesday - closed

Tuesday 8:30am - 4:30pm

Thursday - 8:00 am - 4:30pm

Friday 8:30am - 5:30pm

Should you need special assistance please call the credit union at 532-3790. Thank you for your understanding.


                                      Click here for Office Hours 

    •  Please call 716-532-3790 for important info, office hours and last minute closings.

Teller Station - Inquiries           Ext. 24 
Loan Inquiries Ext. 22
Accounting Ext. 23

Ext. 21









To ensure you receive all correspondence from the credit union and avoid a $2.00 fee, please notify the credit union promptly in writing when you change your mailing address. 




OwnersChoice Funding Rates

Call Office at 716-532-3790 or go online.

VISA Credit Cards

  • Rates as low as 7.99% for qualified applicants
  • Applications available at Credit Union.

Statement Disclosure  








E-Statements on PCU - April 30, 2020

  • Sign In to view your Latest Statement


  • Loan Application - get pre-approved today
  • Download, complete, sign and mail/fax (532-4629) to credit union
  • Include a current pay stub 
  • Mailing - P. O. Box 29, Gowanda, NY 14070

View the Winter2018AutoTalk

View the Fall AutoTalk Newsletter 

 View the Summer AutoTalk Newsletter 

                       MEMBER BENEFITS



 Did you lose your VISA Debit/Credit Card?  Call the Gowanda Area FCU immediately at (716) 532-3790.  If the office is closed, call the below numbers: 

                 VISA Debit 1-800-472-3272       

                  VISA Credit 1-800-543-5073

        VISA CU Money Cards

  • $5.00 fee - Reloads $3.00 at the credit union.  $100.00 minimum reload.
  • Maximum balance allowed on reloadable cards - $5,000.00
    Maximum daily load limit when loaded at credit union - $5,000.00


                              EQUIFAX BREACH

Members should monitor credit card and other financial statements for unauthorized activity.

 Consider placing a credit freeze on accounts to help prevent fraudulent accounts being opened.

Consider contacting the credit reporting agencies to place a "fraud alert" on their account.  A fraud alert will serve as a warning to creditors that he/she may have been a victim of a data breach' resulting in creditors more closely reviewing any applicaitons for new credit.

Equifax is offering free credit monitoring services for one year - go to www.equifaxsecurity2017.com/enroll to get the monitoring service.  Your members will be asked to enter their last name and several digits of their social security number.

Review your credit report for free at www.annualcreditreport.com.

Additinbal info for victims of identity theft can be found at https://www.identitytheft.gov/Steps.







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