*Approval based on your creditworthiness and other factors. No application fee and no annual fee. APR=Annual percentage Rate. Payments of $87.92 per month for 12 months. All loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotion period 11/1/25 – 12/31/25.

Refer your family, friends, or coworkers to join Buffalo Metropolitan Federal Credit Union.

• They Get entered to Win a $500 Gift Card!
• You get $10!

Have your refered new member add your name on the application or have them provide it to the Credit Union Representative opening the account.

To be eligible for the giveaway, new members must open the following: a savings account, direct deposit of at least $500 a month, and a checking account with a debit card. Past members who have previously held accounts at BMFCU within the previous six (6) months are ineligible for entry. Contest ends November 30, 2025. One winner will be randomly drawn from eligible entrants. A maximum of $50 will be given per month for referrals.

*Share certificate special, including the stated Annual Percentage Yield (APY*) are a limited time offer. Buffalo Metropolitan Federal Credit Union reserves the right to modify or cancel these offers at any time without notice. The share certificate special requires a minimum deposit of $500.00. Upon maturity, the share certificate special will automatically renew for 12 months at the then current rate of our 12-month share certificate, unless otherwise specified. APY=Annual Percentage Yield. Early withdrawal penalties apply. Dividends paid at maturity. Membership eligibility required. rate as of 10/22/25.

*8.00%APR for every approved Holiday Loan. Approval based on your creditworthiness and other factors. APR=Annual Percentage Rate. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Ends 1/31/26.