What are the current interest rates at Buffalo Metropolitan Federal Credit Union?

Current rates for Buffalo Metropolitan Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.14%, 24-Month CD: 2.25%, MMA: 1.00%

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Buffalo Metropolitan Federal Credit Union

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Buffalo Metropolitan Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Buffalo Metropolitan Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Buffalo Metropolitan Federal Credit Union's top rates as of October 12, 2026 are 3.00% APY on its CD - 9 Month Special, 1.00% APY on money market accounts, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other Buffalo Metropolitan Federal Credit Union CD rates include 24 Month CD (Two Years) at 2.25%, 18 Month CD at 2.14%, and 12 Month CD (One Year) at 2.00%. MonitorBankRates evaluates the financial stability of Buffalo Metropolitan Federal Credit Union with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.04%. Rates last updated and verified on 10/12/2026.

Buffalo Metropolitan Federal Credit Union 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 Metropolitan Federal Credit Union? Share your experience about Buffalo Metropolitan Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Buffalo Metropolitan Federal Credit Union.

Overall Health & Safety Grade

B-

Adequate Health Score: 82/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.04%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Buffalo Metropolitan Federal Credit Union
Main-62 S Elmwood Ave Buffalo, NY 14202-2609

62 S Elmwood Ave
Buffalo, NY 14202-2609

https://www.bflometrocu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Buffalo Metropolitan Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 9 Month Special	2.99%	3.00%	9 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
24 Month Certificate (Two Years)	2.23%	2.25%	24 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
18 Month Certificate	2.15%	2.14%	18 Months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.15% → 2.14% ▼ 0.01 pts · high 2.15% / low 2.14% Oct 12, 20262.14%▼ from 2.15% Sep 25, 20262.15%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
12 Month Certificate (One Year)	2.00%	2.00%	12 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
6 Month Certificate	1.50%	1.51%	6 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.51% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Buffalo Metropolitan Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts (MMAs)	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Money Market Accounts (MMAs)	0.85%	0.85%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Money Market Accounts (MMAs)	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Money Market Accounts (MMAs)	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 3 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Buffalo Metropolitan Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line Of Credit	-	-	6.75%	5 year
Details Term: 5 year draw period with 15 years repayment; Maximum rate that may be imposed is 15.00%APR. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Buffalo Metropolitan Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New RV, Boat & Leisure Vehicles (2025 & newer) Loan	-	-	5.90%
Details Rates as low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.90% APR · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Used RV, Boat & Leisure Vehicles (2024 & older) Loan	-	-	6.49%
Details Rates as low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Buffalo Metropolitan Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.00%
Details Rates as low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.00% APR · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Buffalo Metropolitan Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Revolving Cash Loan	-	-	8.00%
Details Advances accepted Oct. 15 Jan. 31 - No application fee - No annual fee Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Treat Yourself Loan	-	-	9.00%
Details Rates as low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 4 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Individual Retirement Accounts (IRAs)	2.50%	-	2.52%
Min Balance $1,000 Details Rate as of 6/01/2026. Dividends paid quarterly on accounts with an average daily balance of $1,000 or more. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.52% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Share Account	0.25%	-	0.25%
Min Deposit $25 Min Balance $1,000 Details Dividends paid quarterly on accounts with an average daily balance of $1,000.00 or more. Rate as of 6/01/2026. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Share Certificate - 12 Months (One Year)	2.00%	-	2.00%	12 Months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Share Certificate - 18 Months	2.15%	-	2.14%	18 Months
Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 2.15% → 2.14% ▼ 0.01 pts · high 2.15% / low 2.14% Oct 12, 20262.14%▼ from 2.15% Oct 8, 20262.15%first recorded Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Share Certificate - 24 Months (Two Years)	2.23%	-	2.25%	24 Months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Share Certificate - 6 Months	1.50%	-	1.51%	6 Months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%
Youth and Teen Accounts	0.25%	-	0.25%
Min Deposit $5 Min Balance $500 Details Minimum: $5.00 for Youth Accounts and $10 opening balance for Teen Accounts; Dividends paid quarterly on accounts with an average daily balance of $500.00 or more. Rate as of 6/01/2026. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Buffalo Metropolitan Federal Credit Union’s Texas Ratio rose from 13.17% in Q3 2023 to 23.04% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.3 and its Health Grade from A to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$144M	23.04%	4.3	B-
March 31, 2026	$145M	15.23%	5.0	A-
December 31, 2025	$144M	19.46%	4.6	B
September 30, 2025	$142M	17.65%	4.8	B+
June 30, 2025	$142M	19.94%	4.6	B
March 31, 2025	$144M	12.89%	5.0	A
December 31, 2024	$139M	14.93%	5.0	A-
September 30, 2024	$141M	15.07%	5.0	A-
June 30, 2024	$142M	8.91%	5.0	A
March 31, 2024	$144M	13.61%	5.0	A
December 31, 2023	$139M	15.06%	5.0	A-
September 30, 2023	$142M	13.17%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Buffalo Metropolitan Federal Credit Union 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 Metropolitan Federal Credit Union 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 Metropolitan Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Buffalo Metropolitan Federal Credit Union

Website https://www.bflometrocu.org

Address 62 S Elmwood Ave, Buffalo, NY 14202-2609

Phone 716-847-6960

Fax 716-847-6996

President Danielle Sullivan

CEO Sarah Edinger

Full-Time Employees 45

Part-Time Employees 4

Branch Locations 1

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (82/100)

Texas Ratio

23.04%

Return on Assets (ROA)

0.1216%

Return on Equity (ROE)

0.9813%

Non-Performing Loans Ratio (NPL)

3.69%

Total Assets

143,930,139

Total Amount of Shares and Deposits

128,517,542

Total Shares and Deposits < 1 Year

126,695,146

Total Shares and Deposits 1 3 Years

753,370

Total Shares and Deposits > 3 Years

1,069,025

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,990,527

Total Uninsured Shares and Deposits > $250K (F+J)

1,990,527

Total Insured Shares and Deposits > $250K (item 17 less item K)

126,527,015

Total Interest Expense (Sum of items 6 8)

399,395

Share Certificates

654

Number of Accounts for Share Drafts

8,305

IRA KEOGH Accounts

283

Number of Accounts for Regular Shares

16,008

Money Market Shares

498

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)

14,440,309

Total Liabilities

127,884,988

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Frequently Asked Questions About Buffalo Metropolitan Federal Credit Union

How many branches does Buffalo Metropolitan Federal Credit Union operate?

Buffalo Metropolitan Federal Credit Union 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 Metropolitan Federal Credit Union?

Yes, to access services at Buffalo Metropolitan Federal Credit Union, 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 Metropolitan Federal Credit Union 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 Metropolitan Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Buffalo Metropolitan Federal Credit Union offer online and mobile banking?

Most modern institutions like Buffalo Metropolitan Federal Credit Union 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: https://www.bflometrocu.org.