Gowanda Area Federal Credit Union

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A short history of Gowanda Area FCU

Since its inception in 1935 the Gowanda Area Federal Credit Union has been serving its members in the GOWANDA, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Mary Stelley, the Gowanda Area FCU has grown its membership to over 2,190 with assets of more than $19,397,677. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (716) 532-3790 or email them at info@gowandaareafcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in GOWANDA, NY.

General Information For Gowanda Area FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 818
Address PO BOX 29 
City GOWANDA 
State New York 
Zip-Code 14070
Phone Number (716) 532-3790
Fax Number (716) 532-4629
Email Address: info@gowandaareafcu.org
CEO/President Mary Stelley
Members 2,190 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 19,397,677 
Website http://gowandaareafcu.org 

Compare Gowanda Area Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Seneca Nation Of Indians CU Seneca Nation of Indians FCU 90 Ohiyo Way 14779 (716) 945-8510 No 8.39
Griffith Institute Employees CU Grifith Institute EFCU 307 Newman St 14141 (716) 592-9887 No 12.47
Cattaraugus County Employees CU Cattaraugus County Emps. FCU 100 Fair Oak St 14755 (716) 938-6071 No 14.38
Northern Chautauqua CU OFFICE 232 CENTRAL AVE 14136 (716) 934-3111 No 15.54
Lake Shore CU Main 8766 Erie Rd 14006 (716) 549-4150 No 15.85

Gowanda Area Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Gowanda Area Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.99 2.75 2.75 4.25 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 90 115 71 174 132
Rank Among All New York Credit Unions 9 49 25 61 39

Gowanda Area Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A N/A 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A N/A 227
Rank Among All New York Credit Unions N/A 38 N/A N/A 58
Gowanda Area Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.990164208,207
All Other Unsecured Loans/Lines of Credit 4.500161652,146
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.750911,546,738
Used Vehicle Loans 2.7501702,005,614
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.250241,184,857
Total Other Real Estate Loans/Lines of Credit 4.250478,426
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 1.50052378,605
TOTAL LOANS & LEASES 6666,054,593

Gowanda Area Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 4220,93500
    b. 15 Years or less 20963,92200
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 478,426132,700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 281,263,283132,700

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Gowanda Area Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes