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khfcu home banking

Real Time
Home Banking

Bank on your time with Real Time Home Banking. Desktop access combined with iOS and Android apps allows you to securely and conveniently keep track of all of your finances.

Login to Home Banking

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Multiple levels of security to ensure your money is safe!

Mobile App
Manage your finances on the go!

Transfer Funds Instantly
Transfer funds to other credit union accounts or loans!



KHFCU offers a variety of accounts to meet your needs. You have 24-hour access to your money with the use of our VISA debit card, which can be used anywhere VISA is accepted and at any ATM. Find surcharge free ATM locations using our ATM locator.

View Fee Schedule

khfcu savings accounts

Share (Savings) Accounts

Open with a minimum deposit of $5 and $1 membership fee. May be accessed with VISA debit card through ATM network when combined with a checking account.

khfcu checking accounts

Share Draft (Checking) Accounts

No minimum balance requirements and no or low monthly fees. May be accessed with VISA debit card through ATM network or anywhere VISA is accepted. *Minimum deposit of $50 to open.

khfcu checking accounts

Money Market Account

Higher dividends with a required minimum balance of $2500.00.

khfcu checking accounts

Christmas / Vacation Club Accounts

Provides a great way to save for the holidays and vacations.

khfcu checking accounts

Certificate of Deposit (CDs)

Open with a minimum deposit of $500 for terms of 1 or 2 years. The interest rate is locked in for the term of the certificate.

Who can join KHFCU

Employees of Kaleida Health, Brylin Hospital along with persons who work regularly in the Health Care Industry in the New York counties of Erie or Niagara, and their family members, are eligible to join KHFCU.

How to join KHFCU

To become a member of KHFCU, please come in person to one of our locations, with valid government issued photo ID (non-expired drivers license, identification card, passport) work ID, along with $6.00, cash or check, for a Savings account. Also, please bring proof of current address if it is not printed on your photo ID (utility bill, insurance, cell phone bill).


khfcu savings accounts

KHFCU is all about helping you -- the member -- to save while providing affordable services, loans and credit at fair rates of interest. We are known for our personalized attention to our members' financial needs and we offer a number of convenient services to accommodate those needs.

Apply for a loan!

  • Free direct deposit into checking or savings account
  • Payroll deduction -- deposit a portion or your entire pay into your accounts
  • Line of Credit Overdraft Protection against insufficient funds without any fees!
  • ATM access
  • Home Banking
  • E-Statements
  • Wire Transfers
  • VISA Debit Cards
  • ACH deposits and withdrawals
  • Loan Protection
  • Cash withdrawals
  • Statements of all activity of your accounts


Whether you want to buy a new car, make home improvements, or consolidate debt, KHFCU can help with a choice of loans offering favorable rates for members.

View Rates Auto / Personal Loan Application

Are you dreaming of a new deck, addition, pool, or landscaping?

Let us help make your dreams come true. We have two loan products to help meet your needs. Depending on how much you are looking to borrow, you have a choice between a traditional Home Equity Line of Credit, or you may choose to utilize an Unsecured Line of Credit, which has no closing costs.

Home Loan Application

Calculate your loan!

ATMs & Shared Branch Banking

Make yourself at home at credit unions nationwide.

Our members can visit more than 5,400 CO-OP Shared Branch Locations and hundreds of CO-OP Shared Branch express self-service terminals.

From coast to coast, you're welcome at branches and ATMs wherever you see the CO-OP logos. That covers a lot of territory - whether you're across town, or traveling far from home for business or pleasure. Your credit union membership means you can:

  • Use nearly 30,000 surcharge-free ATM locations - more than some of the biggest banks offer
  • Take advantage of surcharge-free ATMs at convenient places like 7-Eleven®, Costco® and Walgreens
  • Visit over 5,000 convenient branch locations and more than 2,000 self-service locations covering all 50 states - simply have your credit union name, account number, and a government ID and you'll have access to your accounts
  • Easily locate ATMs and branches through any of our locator tools - including phone, mobile app or Internet
co-op handshake

Click the button below to find a shared branch or surcharge-free ATM right now!

ATM & Shared Branch Locator

Get the shared branch & ATM locator right at your fingertips by downloading the mobile app on your iPhone or Android.

coop atm network app
coop atm network app