Formerly Cheektowaga Community Federal Credit Union, Circuit Federal Credit Union rebranded in 2024 and serves the Buffalo, New York area from branches in Cheektowaga and Hamburg. Anyone living, working, worshipping, or studying in surrounding towns can join for savings, mortgages, HELOCs, online banking, and mobile check deposit.

Western New Yorkers, meet your neighborhood money team. Circuit Federal Credit Union, the Buffalo-area cooperative formerly known as Cheektowaga Community FCU, welcomes members across Cheektowaga, Hamburg, West Seneca, and nearby towns with savings, mortgages, home equity lines, bill pay, and mobile deposit. Now here is the power move: run your daily spending through Fluz to collect instant cashback on the brands you already buy, then let those rewards pile up alongside your Circuit savings. Between a credit union that keeps rates fair and an app that pays you back on every purchase, your money finally works as hard as you do.