Debit Card Users:  Now available

Apple Pay, Google Pay and Samsung Pay!


Our lobby is open!

Please adhere to NYS guidelines by wearing a face mask,  using social distancing and hand sanitizer while in the credit union.

Thank you for your understanding and cooperation!

                                     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 Mortgage Lending


Go to

VISA Credit Cards

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

Statement Disclosure  







October 2020 HIGHLIGHTS

E-Statements on PCU - September 30, 2020

  • Sign In to view your Latest Statement

 IMPORTANT INFO:  Loan application 

  •  Get pre-approved today
  • Download, complete, sign and fax (716-532-4629), email ( or mail to GAFCU, P. O. Box 29, Gowanda, NY 14070
  • Include a current pay stub 

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 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

Additinbal info for victims of identity theft can be found at







Privacy Policy
Design & Hosting by D+H
Browser Requirements
Copyright D+H All Rights Reserved.
National Credit Union Administration

Equal Housing