New & Used Vehicle Loans
Terms depend on vehicle, amount, and applicant qualifications.
Member-owned banking since 1935
Local banking. Built around you.
Local savings, spending, lending, and digital access for members who want practical help with everyday money.
Banking built for the neighborhood
See all that you can do with your money.
From your first account to your next big purchase, KTFCU gives you the tools to manage your money with confidence and convenience.
Access everyday essentials including checking and savings accounts, debit cards, online and mobile banking, calculators, and a nationwide network of ATMs.
When you need guidance, you’ll find real people who understand your goals and the community you call home.
Personal banking
Start with the right account path.
Save
Open your membership account, create multiple savings goals, and manage your money online.
- Open an account
- Create multiple accounts
- Use home banking
Keep everyday purchases, bills, transfers, and card access simple.
- Pay bills and transfer funds
- Use Visa debit or credit cards
- Set up a line of credit
Plan for vehicles, homes, family needs, and the next big step with local help.
- Get pre-approved
- Compare loan options
- Ask how we can help
Featured rates
Rates for saving and borrowing.
Compare current featured offers, then contact the credit union for details, disclosures, and the option that fits your plan.
View all ratesCall for rate
Share Savings
Dividend rates are set by the KTFCU Board.
unLOCk line of credit
Current promotional rate shown on the KTFCU public site; subject to change.
Digital access
Bank when the day gets busy.
Home banking, mobile deposit, debit card access, and ATM tools help members handle routine money tasks without waiting for a branch visit.
- Mobile banking and remote deposit capture
- Debit cards, card controls, and digital wallet support
- Security notices and member education updates
What’s new
Helpful updates for members.
ktfcu-news
Instant issue debit cards
Eligible members can request an instant-issue VISA debit card for a Share Draft account.
ktfcu-newsFind surcharge-free ATM access
Use eligible KTFCU cards at participating Allpoint ATMs.
loan-specialsPrepare before applying for a loan
Review the borrower, income, and loan-purpose information you may need.
Member stories
Local service shows up in real moments.
Pre-approval made shopping for a vehicle easier and helped the member move with confidence.
Friendly branch support helped a family turn an old savings bond into money they could use.
Separate share accounts gave one family a simple way to help their children learn to save.
Visit or call
We are close when you need us.
Visit us at 2265 Sheridan Dr., Tonawanda, NY 14223. Lobby and drive-thru hours are Monday through Friday, 9:30am to 4:30pm.