Serving Our Community since 1947

Credit Union Profile

Established by educators in 1947 as Amherst Teacher’s Federal Credit Union, membership was comprised of employees from our original 46 sponsor groups and their families. For a list of original sponsors, click here. With the addition of new, non-education based sponsor groups in 2003, Amherst Teacher’s FCU modified its name to what we continue as today; Amherst Federal Credit Union.

Like all Credit Unions, Amherst FCU is wholly owned by its members. As owners, these shareholders (members) receive earnings as higher dividends on savings, lower interest rates on loans, fewer and lower fees and full commitment from management and staff to confidential personalized services. Other earnings are set aside as reserves. The National Credit Union Administration (NCUA) federally insures our credit union and each member’s deposits are backed by the full faith and credit of the United States Government to $250,000.

In 2012, the National Association of Credit Unions approved Amherst FCU’s request for a community charter. The charter allows AFCU to open membership to persons who live, work, worship, attend school in, and businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, NY and their families.

The credit union provides a place for members to save and to borrow at attractive rates, where service is our main business. We’re also a good source of financial advice and direction, where the convenience of payroll deduction and direct deposit for loans and savings is easy to manage. Amherst FCU helps its members obtain low cost, reliable service with personalized attention to the financial needs of every member.

Mission Statement

It is the mission of Amherst Federal Credit Union to provide its member owners with personal service, consumer education, and competitive financial rates while remaining fiscally sound and secure.


Membership to Amherst Federal Credit Union is open to all persons who live, work, worship, or attend school in, and businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York; and, also included are spouses of persons who died while within the field of membership of this credit union, employees of this credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons.

Amherst Federal Credit Union was originally formed and sponsored by the following groups:

  • Amherst Central School District
  • Barrett T.B., Inc.
  • BBG North, LLC
  • Bornhava
  • Buffalo Association of Insurance and Financial Advisors, Inc.
  • The Buffalo Seminary
  • Canisius College
  • Canisius High School
  • Christian Central Academy
  • Child and Family Services
  • Cleveland Hill School District
  • Cleveland Hill Students
  • Dr. Candace Collards Office
  • Mark R. Comaratta, M.D., P.C.
  • Community Charter Schools
  • Daemen College
  • Daemen College Students
  • Definity Health
  • Del Monte Hair System and Day Spa
  • Densigraphix
  • Diocesan Elementary Teachers’ Association
  • The Elmwood Franklin School
  • ELN – The Employee Leasing Network
  • Employment Screening Services LLC
  • Erie I BOCES
  • JUAL Enterprises
  • Kadimah School of Buffalo
  • The Legend Group
  • Meritian Health (NAHP)
  • Musical Fare
  • National Equity Utility Services
  • Niagara Catholic High School
  • The Nichols School
  • Northeastern Appraisal Associates
  • The Park School of Buffalo
  • People, Inc.
  • Prayer & Praise Academy
  • Quality Quick Signs
  • Seneca Vocational HS Alumni Assoc
  • Snyder Dental Group, PLLC
  • Snyder Volunteer Fire Department
  • Stanley Falk School
  • Suburban Oral & Maxillofacial Surgery Associates, P.C.
  • Suntreader, Inc. Travel Services
  • Troy & Banks, Inc.
  • Vaspian

Volunteers and Staff

Office and Board Members

All officers, directors, and committee members are volunteers who serve without wages or salaries. Any member who wishes to may volunteer. The Board of Directors are elected by the members at the annual meeting. They meet monthly and serve a two-year term of office.

Name Position
Mary Ellen Goergen President
Gerald J. Ozimek Vice President
Nancy Bojanowski Secretary
Keri Walczyk Treasurer
Doris Murphy Director
Donald Green Director
Dennis Barraclough Director
Jim Fregelette Director
Rick Rogers Director

Lending Appeals Committee

Doris Murphy
Mary Ellen Goergen
Rick Rogers

Supervisory Committee

The Supervisory Committee is appointed by the Board of Directors and serve a one-year term of office.

Name Position
Lisa Pupo Chairperson
Rebecca Mckeon
Donald Green

Membership Officer

Valerie McGovern

Office Staff

Name Position
Keri Walczyk Manager
Stacey Koczaja Assistant Manager
Cindy Tichenor Loan Officer
Jolene Bosworth Loan Officer
Denise Quinn Front Line Supervisor
Sean Walczyk Marketing Coordinator
David Sypchalski Member Service Representative


We love the personal service, that a person actually picks up the phone and responds!”

Jessica Member since 1997

Excellent services, great people, they care about you and your money”

Catherine Member since 2006

Always helpful & friendly service. Hands on with a personal touch- you are not just a number!!”

Ann Marie Member since 1998

I would like to take the time to discuss my experience with Amherst Federal Credit Union. After a major mechanical breakdown which left my Wife’s truck completely useless I needed to purchase a new vehicle quickly so my wife could get to and from work. I spoke with a veteran teacher in my building and they said the only place to get a loan is with the Amherst Federal Credit Union. They were right. In five minutes I signed up, was given a step by step explanation of the loan options I could choose, and then was preapproved for a loan. After performing some car shopping I found the one I wanted, returned to the Credit Union, and they cut me a check. Within one day I signed up, received a loan, and drove a car off of a dealer’s lot. Unbelievable!!! Not only did the team at the credit union secure a loan for me, they also treated me with respect.”

Ann Marie Member since 1998

Community Involvement and Events

Amherst Federal Credit Union strives to be an active partner in our community by providing financial support or other in-kind contributions and by participating in public service activities. Over the years, we have supported a variety of charitable organizations and community events. Most recently we have worked with the following organizations; which include current events, continuous drives and recent involvement. You will find details of our latest community initiative in your newsletter or by calling 634-3881.

Breast Cancer Awareness, 2014, 2015, 2016, 2017, 2018 For the months of August through October Amherst FCU begins fundraising for Breast Cancer Awareness in memory of our dear friend and loan officer Ruth Duke. For donations of $1+ members will receive a small breast cancer awareness gift. All proceeds are donated to charities that help cancer patients. New in 2018, AFCU sponsored and attended the Buffalo Bisons Strike Out Breast Cancer walk and game.

Hospice Bouquet Sale 2014, 2015, 2016, 2017, 2018 In the 1st quarter of every year, Amherst FCU participates in the annual Hospice Bouquet Sale. Over the past 31 years, the Hospice Spring Bouquet Sale™ has become a timeless symbol marking the beginning of a new Spring season in Western New York. Along with being the Hospice Foundation’s largest event, the Sale also brings much needed public awareness for Hospice Buffalo and its mission.

American Gold Star Mothers 2017 The Gold Star Mothers are a non-profit organization of mothers who have lost sons or daughters in the armed forces. During the holiday season, AFCU adopted a Gold Star Family and raised money and collected gifts to donate. 2017 was the first year AFCU participated in this program. Thanks to your support with monetary and gift donations, we were able to provide over $1000 in gifts and gift cards to the family. We plan to continue with this program in 2018.

Hometown Heroes 2017, 2018 AFCU also sponsored Townsquare Media’s Hometown Heroes program. This program highlights local community members who are actively making a difference. Teachers, police officers, veterans, and many more are appreciated for the work they do for their community, and are provided with a gift card courtesy of the credit union.

Cell Phones For Soldiers Keeps our troops overseas connected to their loved ones back home. The phones are recycled and the funds are used towards the purchase of 60-minute calling cards for soldiers to call home with! Bring your used or broken cell phone to the office during your next visit, Cell Phones for Soldiers is an ongoing collection.

THANK-A-VET Discount Program is a complimentary program that was started to recognize the veterans in our community for their service and sacrifice. It is available to any Erie County veteran who files their original Military discharge/separation forms/certificates with the County Clerk's Office. AFCU has enrolled in the program by offering discounted loan rates for members of the program.