Build your savings faster with Term Share Certificates

Become a BSCU Member to take advantage of these great services!

retirement savings CDs IRAs
  • Enjoy competitive interest rates
  • Low $500 minimum deposit
  • Terms range from six months to four years
  • Interest is compounded and credited monthly
  • Withdraw interest each month without penalty

At the end of your term, we'll transfer the funds to your share savings account. Then if you wish, you can choose a new rate or term, or renew your certificate at the same term.* 

* There are penalties on early withdrawals, except for withdrawals of interest.

Plan for a secure retirement with an IRA

You can maintain your lifestyle after retirement and do the things you've always dreamed of if you start setting aside money now.

  • Advantage of tax-deferred earnings – grows tax-free
  • Only pay income tax once you begin to withdraw funds, when you’re likely to be in a lower tax bracket
  • Pay no fees
(Please note: BSCU does not currently offer Roth IRAs or Coverdell Education Savings Accounts.)

NCUA Insurance up to $250,000

As a member of Buffalo Service Credit Union, you'll enjoy the peace of mind that comes with knowing your deposits are automatically insured by the National Credit Union Administration (NCUA) for up to $250,000. The NCUA is the independent agency of the U.S. Government that is responsible for managing the National Credit Union Share Insurance Fund (NCUSIF). NCUSIF was established by Congress in 1970 to insure member share accounts against loss within specified legal limits.

Basic NCUA Deposit Insurance Coverage Limits*

Individual Accounts
(owned by one person)
$250,000 per owner**
Joint Tenancy Accounts
(two or more persons)
$250,000 per co-owner**
Trust Accounts
(Revocable or Payable on Death)
specific limitations and requirements**
IRAs and certain other retirement accounts
$250,000 per owner
* These deposit insurance coverage limits refer to the total of all deposits that an account holder (or account holders) has at each NCUA-insured credit union. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all NCUA requirements are met.

Buffalo Service Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 716-842-1320.
All products and services available on this website are available at all BSCU branches.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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