Western New York Federal Credit Union is now a community chartered credit union. The board of directors approved the community charter on November 16, 2005. This means Western New York Federal Credit Union can now accept members who live, work, and worship, attend school and business and other legal entities in the following Erie County municipalities:
| Account Type | Rate | APY |
| Regular Shares | 0.30% | 0.30% |
| Kids Account | 0.30% | 0.30% |
| Holiday Club Account | 0.30% | 0.30% |
| Vacation Club Account | 0.30% | 0.30% |
| Term | Rate | APY |
| 6 Months (Regular) | 0.50% | 0.50% |
| 12 Months (Regular) | 0.50% | 0.50% |
| 18 Months (Regular) | 0.75% | 0.75% |
| 6 Months (Jumbo) | 0.55% | 0.55% |
| 12 Months (Jumbo) | 0.55% | 0.55% |
| Loan Type | Term | APR |
| Personal | 48 Months | 8.95% |
| Auto & Motorcycle | 24 Months | 2.50% |
| Boats & RVs | 36 Months | 3.00% |
| Bill Consolidation | 48 Months | 8.95% |
| Share Secured | 72 Months | 2.50% |