ALCO is an NCUA-insured credit union located in Wellsville, NY. New auto loan rates from 5.27% APR. Google rating: 3.8 out of 5 from 18 reviews.

Alco

2859 Lindy Lane, Wellsville, NY 14895

NCUA Insured3.8 (18 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Wellsville, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1953

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2859 Lindy Lane

Wellsville, NY 14895

Google Maps 🗺Waze

(585) 593-4959

Service Area

This credit union is located in Wellsville and serves members in the NY area. Currently serving 6,820 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.27%

Used Auto Loan

6.99%

Personal Loan

10.17%

Credit Card APR

10.68%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q1 2026).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

Suffolk— Used Auto Loan

Medford, NY

2.59%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Compare Rates in Wellsville

See how ALCO stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Wellsville →Best Personal Loan Rates in Wellsville →Best Credit Card Rates in Wellsville →All Credit Unions in Wellsville →

Member Reviews

3.8

18 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Melanie Miller

7 months ago

I have been a member for many years and Alco is by far the best financial institution in our area. Low fees. Easy loan applications. And a real home town feel.

Baileigh Irwin

9 months ago

Been with them since I opened my first account love them!

Ann Tucker

11 months ago

We live in Belmont and bank at Alco’s Belmont branch. The staff there is always wonderful and it really is a hometown financial institution. Having a branch in Belmont is exceptionally convenient.

Scott Knight

2 years ago

Extremely unprofessional. If I could give them zero stars I would. Used to use them for years but I'll be switching shortly. Wouldn't recommend them to anyone.