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  • About Us

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    The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families.

    The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees.

    These forward thinking individuals pooled their savings through payroll deductions so members could borrow money at favorable rates. The money earned from loans paid dividends (interest) to the savers. This same concept still exists today. We remain committed to anticipating and satisfying the financial needs of our members and their relatives. We strive to be the best place for our members to save their hard earned money and to borrow from when the need arises.

    In addition, we want to provide the services and conveniences that our members desire and deserve and have added many throughout the years.

    The Field of Membership consists of Federal Government employees and retirees in the eight Western New York counties of Erie, Niagara, Allegany, Cattaraugus, Chautauqua, Genesee, Wyoming and Orleans, their spouses, children, grandchildren, siblings, parents, grandparents, stepparents, stepchildren, step-siblings, adoptive relations, domestic partners and legal guardians of primary potential members.

    Membership is lifelong unless terminated by either the Credit Union or the member.

    The Credit Union Movement

    Credit unions were formed in Europe in the early 1800's based on a simple premise: that people could pool their money together and make loans to each other.

    It wasn't until the beginning of the 20th century that the idea crossed the Atlantic into Canada. Although the first credit union act was passed in Massachusetts in 1909, it wasn't until the 1920's and 30's that the credit union movement really took off in the United States. By 1935, more than 3,300 credit unions in 39 states were serving 641,800 members.

    Today, there are more than 9,000 member-owned financial cooperatives, or credit unions, in the United States alone serving more than 72 million Americans. Today's credit unions have evolved to provide the wide range of financial products and services that members need and want. Credit unions represent one of the strongest financial networks in the world while continuing to uphold the founding philosophy of service to members, a sense of social responsibility and cooperative uniqueness.

    The one motto of the credit union movement is “People helping people”.


    Who Can Join?

    All Federal Employees, Retirees and their immediate Families are eligible to join!

    The term immediate family of any natural person means the following (whether by the full or half blood or by adoption).

  • Such person's spouse, father, mother, children, brothers, sisters and grandchildren.
  • The father, mother, brothers and sisters of such person's spouse.
  • The spouse of a child, brother or sister of such person.


    We have now switched to a semi-annual newsletter, one for the fall/winter and one for spring/summer. So please watch our Facebook Page and statement inserts online for news during the year! You may still see statement suffersif news occurs in between. Plus, watch for postings outside our offices.

    See our Current Newsletter

    Fall/Winter 2018 Newsletter

    Spring/Summer 2018 Newsletter


    2019 Holiday Closings

    Both Offices will be closed on the following dates:
    Tuesday, January 1, 2019 New Year's
    Monday, January 21 Martin Luther King, Jr. Day
    Monday, February 18 President's Day
    Monday, May 27 Memorial Day
    Thursday, July 4 4th of July
    Monday, September 2 Labor Day
    Monday, October 14 Columbus Day
    Monday, November 11 Veteran's Day
    Thursday, November 28 Thanksgiving
    Wednesday, December 25 Christmas
    Wednesday, January 1, 2020New Year's
    * Items will still post
    On the following dates, our hours of operation AT THE APPLETREE OFFICE (DOWNTOWN CLOSED) will be from 8 am to 12 pm:
    Friday, April 19
    Friday, July 5
    Friday, November 29
    On the following dates, our hours of operation AT THE DOWNTOWN OFFICE (APPLETREE IS CLOSED) will be from 8 am to 12 pm:
    Wednesday, November 27

    On the following dates, BOTH OFFICES will be open from 8 am to 12 pm:

    Tuesday, December 24, 2019
    Tuesday, December 31, 2019

    If there are Furlough or Shutdown Days:

    The Appletree Office will be closed. Downtown will be open normal hours, unless noted above.

    Postings will still occur on Furlough and Shutdown Days, as the Federal Reserve is not closed. More information on this is posted outside our offices and on our Facebook Page.

    Board of Directors

    • President – Barb Kalinowski
    • Vice President – Jack Klein
    • Treasurer – Andy Loeb
    • Secretary – Paula Kelman
    • Directors
      • Joe Giancarlo
      • Kathie Nichter
      • Kathy Kluskowski
      • Don Schmid
      • Al Hartman

    Credit Union Staff

    • Manager - Lori Makowski
    • Tellers
      • Carol Zon
      • Sadia Anjum
    • Supervisory Committee
      • Chair - Dana Jager

    Supervisory Committee address:
    IRS Buffalo Federal Credit Union
    Supervisory Committee
    141 Goundry St., P.O. Box 1105
    North Tonawanda, NY 14120

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