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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
BUFFALO CONRAIL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
BUFFALO CONRAIL's 6 Month CDs (AKA CD) rates are at 3.85%, 9 Month CDs (AKA CD) rates are at 3.70%, 12 Month CDs (AKA CD) rates are at 3.50%, 18 Month CDs (AKA CD) rates are at 3.50%. BUFFALO CONRAIL's savings rates are at 0.50%. BUFFALO CONRAIL's money market rates are at 1.76%. BUFFALO CONRAIL's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of BUFFALO CONRAIL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates last updated and verified on 09/22/2026. BUFFALO CONRAIL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BUFFALO CONRAIL? Share your experience about BUFFALO CONRAIL by leaving a review below, or read customer reviews before you decide to use BUFFALO CONRAIL. 
BUFFALO CONRAIL CD Rates
BUFFALO CONRAIL Savings Rates
BUFFALO CONRAIL Money Market Rates
BUFFALO CONRAIL Home Equity & HELOC
BUFFALO CONRAIL Auto Loan Rates
BUFFALO CONRAIL RV, Boat and Powersport Loan Rates
BUFFALO CONRAIL Personal Loan Rates
BUFFALO CONRAIL Other Rates
Financial Health HistoryBUFFALO CONRAIL’s Texas Ratio rose from 0.09% in Q2 2023 to 0.73% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for BUFFALO CONRAIL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather BUFFALO CONRAIL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with BUFFALO CONRAIL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
BUFFALO CONRAIL
Website
http://bufconfcu.com
Address
1481 Harlem Rd,
Cheektowaga, NY 14206
Phone
716-897-2383
Fax
716-897-2385
President
Jeffrey Zientara
CEO
Daniel DeWald
Full-Time Employees
5
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.73%
Return on Assets (ROA)
0.1671%
Return on Equity (ROE)
0.7488%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
59,004,354
Total Amount of Shares and Deposits
45,513,376
Total Shares and Deposits < 1 Year
45,488,058
Total Shares and Deposits 1 3 Years
25,320
Total Insured Shares and Deposits > $250K (item 17 less item K)
45,513,376
Total Interest Expense (Sum of items 6 8)
145,968
Share Certificates
290
Number of Accounts for Share Drafts
808
Number of Accounts for Regular Shares
2,949
Money Market Shares
30
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,668,837
Total Liabilities
45,839,268
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for BUFFALO CONRAIL yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for BUFFALO CONRAIL
Frequently Asked Questions About BUFFALO CONRAILHow many branches does BUFFALO CONRAIL operate?BUFFALO CONRAIL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join BUFFALO CONRAIL?Yes, to access services at BUFFALO CONRAIL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, BUFFALO CONRAIL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, BUFFALO CONRAIL provides members with tools to manage their accounts and build a solid financial history. Does BUFFALO CONRAIL offer online and mobile banking?Most modern institutions like BUFFALO CONRAIL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://bufconfcu.com. Current BUFFALO CONRAIL Rates
Retrieved from our database of financial products. Rates subject to change.
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