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CFCU Credit Union

Routing #: 221381540

Routing #: 221381540

Dream Home Club

Make realty a reality and begin saving for your dream home today!

The Dream Home Club provides three dollars ($3.00) in matching funds for each dollar ($1.00) saved in a dedicated savings account, up to a maximum of $3,500.00 in assistance toward the purchase of a home. Qualified program participants make consecutive monthly deposits over a period of 9 to 24 months, prior to the purchase of a home.



To be eligible for the program, you must:

  • Be a first time home buyer.
  • Meet income guidelines.
  • Be a New York State resident.
  • Have direct deposit of payroll to a CFCU account with a monthly auto transfer into your Dream Home account. 

Get Started! Contact one of our Mortgage Team Members to enroll today.

Meet the Team


No Closing Cost Loans require a 3-year recapture period, Transformation Checking with Direct Deposit, and Autopay.


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (


CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at