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We offer a wide variety of loans at competitive rates. Our application process is stress free and we offer flexible payments and terms to meet your budget.

In addition, when you finance your loan with CCSFCU, there are NO PREPAYMENT PENALTIES. Upon request, your loan may be amortized to skip your payments over the summer months.

We will Meet or Beat most of our competitor's rates!
Is your loan financed elsewhere? Refinance with us and save more!


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CCSFCU loan specials

Unsecured / Personal


We offer unsecured loans for any reason!

  • Flexible repayment terms available
  • $10,000 maximum per qualified borrower
  • Life and disability insurance available
  • To view our current rates, click here

New & Used Automobile


  • Flexible repayment terms available (the age of the automobile and term of the loan shall not exceed 10 years)
  • 100% financing available
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • We will meet or beat most competitors loan rates
  • To view our current rates, click here

New & Used Motorcycle


  • Flexible repayment terms available (the age of the automobile and term of the loan shall not exceed 10 years)
  • 100% financing available
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • We will meet or beat most competitors loan rates
  • To view our current rates, click here

Antique/Classic Vehicle


  • Flexible repayment terms available
  • Finance up to 90% of the purchase price or appraised value
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • We will meet or beat most competitors loan rates
  • To view our current rates, click here

VISA Credit Card

  • NO annual fee
  • NO cash advance fee
  • NO balance transfer fee
  • Life and disability insurance available
  • Earn reward points for travel or merchandise with each purchase you make.
  • To view our current rates, click here

Clarence score card

Start earning reward points with every purchase you make!


ez card info

Clarence Community & Schools Federal Credit Union now offers a Platinum VISA Credit Card to all qualifying members.
The interest rate is as low as 8.99% apr*, with a 5 day grace period.

Remember, No Annual Fee and No Fee for Balance Transfer or Cash Advances!! If you have a credit card somewhere else, you may be paying too much interest – call us today and start saving money!!

*APR = annual percentage rate.


visa checkout

Buying is better when paying is fast and secure

Clarence Community and Schools Federal Credit Union simplifies online shopping with


Enroll in Visa Checkout

For a Lost/Stolen Debit Card, please call the Credit Union Office at 1716-630-0888 if during open hours.
If after hours please call 1-888-241-2510.
Please call the Credit Union at 1-716-630-088 and leave a message as well.

Home Equity Line of Credit (HELOC)


  • NO Closing Costs*
  • Finance up to 85% of the equity in your home. **
  • Variable Rates, adjusting annually***
  • Repayment term of 15 years. Draw on your line anytime within the first 10 years of your plan
  • Life and Disability Insurance available
  • No Monthly Fees
  • Tax Deductible****
  • To view our current rates, click here
  • To download a Home Equity Worksheet, click here

Please call (716) 630-0888 or visit us at 9145 Sheridan Drive to apply today!


*The closing costs paid by CCSFCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity line is paid in full within three (3) years of the loan opening date. Closing costs generally total between $800 and $3,000.
**Calculated by multiplying the appraised value by 85%, less the remaining balance on your first mortgage.
***The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. Interest and payments adjust annually on the 1st day of September. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 4.00% at any time during the plan. Rates may vary from those quoted and listed based on your credit history.
****Please consult a tax advisor regarding deductibility of interest.

equal housing opportunity

Mini Equity Line of Credit (MELOC)


If you do not have enough equity in your home to qualify for a home equity loan, but would still like the tax advantage, then our MINI EQUITY LINE OF CREDIT is the loan for you!

  • LOW closing costs*
  • $10,000 Maximum per qualified borrower
  • Fixed rate for the duration of the plan
  • Repayment term of 10 years
  • Draw on your line anytime within the first 5 years of your plan
  • Life and disability insurance available
  • NO monthly fees
  • Tax Deductible**
  • Finance anything you'd like!
  • To view our current rates, click here

Please call (716) 630-0888 or visit us at 9145 Sheridan Drive to apply today!


*You must pay certain fees to third parties to open the plan. These fees generally total between $225.00 and $500.00.
**Please check with your tax advisor regarding your tax benefits.

equal housing opportunity

Mortgage


Whether you’re buying a new home or refinancing, our goal is to provide you with competitive, convenient and responsible mortgage financing options.

To help us achieve our goal, we have partnered with OwnersChoice Funding. Feel free to visit www.ownerschoice.com for current rates, or to apply online!

equal housing opportunity

New & Used RV


  • Flexible repayment terms available
  • 100% financing available
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • To view our current rates, click here

New & Used Boat


  • Flexible repayment terms available
  • 100% financing available
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • To view our current rates, click here

Snowmobiles, ATVs, Jet Skis, and outside equipment loans


  • Flexible repayment terms available
  • 100% financing available
  • Life and disability insurance available
  • GAP insurance is also available. Charge to the Borrower for the GAP Waiver is $125.00. To learn more about GAP insurance click here
  • To view our current rates, click here

Share Pledged Loan


  • Use your regular share account or Share Certificate as collateral for a Share Pledged Loan!
  • You'll receive a LOW rate on your loan while your savings account continues to earn dividends!
  • To view our current rates, click here

This is a perfect way to establish new credit or to re-establish credit at a low rate.

Credit Builder


The Credit Builder Loan was created to help you build a good credit rating or repair bad credit. A good credit history is vital to your financial health. But how can you build one if you have experienced poor payment history or have no credit history at all?

Credit Builder is a combination loan and savings program that may help you establish a good payment history which is an important step in building a higher credit score.

Here's how it works:

  • Borrow from $500 - $1,000 for 1 year
  • The money you borrow is then placed in your credit union account and frozen for the duration of your loan
  • You make monthly principal and interest payments to repay the amount you borrow and when you make your final payment, the funds will be released so you can withdraw or leave them in your account
  • By the end of the Credit Builder Loan, you should see an improved credit score (based on your payment history*) and you’ll have a jump start on savings!
  • Low fixed interest rate
  • To view our current rates, click here

Call (716) 630-0888 to speak with a loan representative today!

*Results not guaranteed. Improvement in credit score is dependent on your specific situation and financial behavior.

Credit Score


Your Credit Score is the Key to YOUR Financial Life.

To learn more about your credit score, click here