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Membership Eligibility

How to Join

If you would like to become a member, come in to either of our offices to complete an application. All you need to become a member is a completed application, at least $5 to open your share account and a Seneca Nation ID (for enrolled Senecas) or Government Issued Photo ID.

Download our Application


Request an Application by calling:

(716) 532-8179 (Irving Office)

(716) 945-8510 (Salamanca Branch)

Request an Application by email:

If you are mailing in your application you must have your signature notarized, include a color copy of your ID, and your initial deposit of at least $5.

Field of Membership

In order to become a member of the SNIFCU you must be one of the following:

  • - An enrolled member of the Seneca Nation of Indians
  • - An employee of the Seneca Nation of Indians
  • - An employee of the Seneca Gaming Corporation and its subsidiaries
  • - An employee of Seneca Gaming and Entertainment, Seneca Nation Enterprises, or Seneca Construction Management Corporation
  • - A member of the immediate family or household of a current SNIFCU member

Benefits of Membership

As a member of the SNIFCU, you are also an owner of the SNIFCU. Not only will you have access to convenient low-cost financial services, but you also have a vote at the annual meeting to choose the Board of Directors.

A primary benefit of being a member of a credit union is that it keeps money circulating in your community. As a member, the money you deposit is used to provide loans to other members, members who are your neighbors, co-workers, and family. Their deposits as well will be used to provide the financing for your next car loan or personal loan. In this way, the money continues to recirculate in the community among the members, providing more local economic benefit. By the same token, when a loan is not repaid it hurts not only the credit union, but yourself, your co-workers, neighbors, and family members that are also members.

With a bank, the primary beneficiaries of the success of the bank are the shareholders. The shareholders receive dividends, and the bank is in operation to benefit the shareholder, who may or may not use the bank. With a Credit Union, the primary beneficiaries of the success of the credit union are the members. The members share in the success of the credit union by receiving lower fees, higher interest on savings, and lower interest on loans. Also, since the credit union is not-for-profit, it has an advantage over banks by not having to pay taxes on earnings. Instead those earnings are returned to the members as better interest rates and lower fees.

As a federally chartered credit union, members of the SNIFCU will have their accounts insured up to $250,000 by the National Credit Union Share Insurance Fund.

If you would like to join the Seneca Nation of Indians Federal Credit Union you can pick up an application at either of our two offices or download an application at the link below.