At a glance
From its website, read 2 Nov 2026Seneca Nation of Indians Federal Credit Union is a credit union based in Irving, New York. Its website describes auto loans, credit-builder loans and personal loans. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.snifcu.org |
|---|---|
| Office (official list) | 12837 Route 438, Irving, NY 14081 |
What their website says about applying
Contact a loan officer today to discuss our credit builder loan.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 3.05% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 5.00% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 6.00% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 6.50% / 7.50% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 6.75% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 9.00% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | as low as 10.00% | source |
| Loans (general) | Term: see their wording | up to 60 months | source |
| Loans (general) | Term: see their wording | up to 72 months | source |
| Loans (general) | Term: see their wording | Not to exceed 120 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
maybe you have little or no credit history at all
source - Low or damaged credit considered
a convenient way to build or repair your credit
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Oct 2026 |
| RSSD ID | 4874076 |
| Address | 12837 Route 438, Irving, NY 14081 Directions (Google Maps) |
| Website | www.snifcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The Share Secured loan amounts appear under the Personal Loans section; no service area or membership eligibility is stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you’re looking to buy a new or used car, there’s a SNIFCU auto loan to fit your needs. | source |
| Credit-builder loans | — | Contact a loan officer today to discuss our credit builder loan. | source |
| Personal / consumer loans | — | A personal loan means you get to choose – take a trip, grab that new iPad, or cover unexpected expenses. | source |
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$150,000 in 1 award from the U.S. Treasury's CDFI Fund, 2021 (Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SENECA NATION OF INDIANS (charter 24863). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $9.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,686 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
New York (2 offices)
- Cattaraugus County (1): 90 Ohiyo Way, Salamanca 14779
- Erie County (1): 12837 Route 438, Irving 14081 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Seneca Nation of Indians Federal Credit Union (NCUA charter 24863, filed as “SENECA NATION OF INDIANS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $5.2 million, 604 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 0.7% from $5.1 million on 30 Jun 2025 |
| Members | 2,686 (as of 30 Jun 2026); 2,584 (as of 30 Jun 2025) |
| Loans per member | $1,930 (total loans divided by members, 30 Jun 2026) |
| Total assets | $9.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2 million | 39.1% |
| Used vehicle loans | $1.7 million | 33.6% |
| Other unsecured loans | $1.1 million | 20.6% |
| Leases and other secured loans | $344,808 | 6.7% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $9.5 million | Larger than 33% of the 18 other certified credit unions in New York (median $47.3 million). |
| Loans as a share of assets | 54% | Median of the same 18 credit unions: 64%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $5.1 million → $5.2 million (+1%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 12 → 12. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 33% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 12 → 12 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Irving and New York
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
- BOC Capital Corp.Loan fund · Brooklyn, NYEnergy / solar / efficiency loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- BlocPower L.L.C.Loan fund · Brooklyn, NYEnergy / solar / efficiency loansVerified
Work at Seneca Nation of Indians Federal Credit Union? Link to this page
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