Radius FCU at Lake Shore High - The Eagle Branch
Lake Shore High School · Student-run
Radius FCU at Lake Shore High
A student-run branch of Radius Federal Credit Union, just for Lake Shore Central School District students and staff.
For students and staff
Inside Lake Shore High School, across from the District Office. Open to Lake Shore Central School District students and staff only.
959 Beach Road, Angola
Weekdays on school days, 11 AM to 1 PM
For parents and community members
Just down the road in Angola, and open to everyone. Parents finish their student's account here.
8766 Erie Rd., Angola · (716) 875-1747
Mon, Wed, Thu, Fri 8:30 AM to 4:30 PM · Tue 9 AM to 4:30 PM
Closed weekends
Under 18? Read this
A parent or guardian opens the account with you. They finish it at the Radius Lake Shore Branch, not at school. No appointment needed.
Your first account
For a lot of students, this is a first account. Here's what it can do for you.
01
Saving for prom, a car or college?
Put money in savings and keep it out of your wallet. Your first $25 makes you a member.
02
Tired of carrying cash?
Ages 13 and up with a photo ID get a debit card, online access and the mobile app.
03
Splitting the bill with friends?
Venmo, Apple Cash and Cash App all work with your account. Zelle opens up at 18.
04
Worried about fees?
No monthly fees. Radius is a not-for-profit credit union owned by its members.
Learning by doing works. The Consumer Financial Protection Bureau says hands-on practice is one of the best ways for young people to build money skills. Research from Washington University in St. Louis found that students with even small savings set aside for school were more likely to go to college.
Get started
Anyone who lives, works, worships, volunteers or goes to school in Erie County can join Radius. So can family of current members.
Start the application
Apply online. Under 18? Do it with a parent or guardian. They join the account as a joint owner.
Gather your ID
See the list below. Usually one photo ID is all you need.
Finish at a Radius branch
Under 18, your parent or guardian finishes the account at the Radius Lake Shore Branch, 8766 Erie Rd. Just walk in. Students 18 and older can open an account on their own.
You can join
You work in Erie County, so you're eligible. Apply online and bring your ID. No co-signer needed.
Accounts for your children
You can also open savings, money market or CD accounts for your own children, even under 13.
Your account stays private
Student tellers can't see balances or account details. They take your request, and Radius staff complete it.
Support the students
Every visit you make gives the student staff real practice.
Have an ID?
That's all you need: a valid learner's permit, driver's license or New York State non-driver ID.
No ID yet?
Students under 18 can bring their Social Security card and birth certificate instead.
Moved lately?
If the address on your ID is out of date, also bring proof of your current address.
Accounts
Students and staff choose from the same accounts. Tap any account for its current rates and terms.
Already a member?
Radius routing number: 222080277
Academy of Business and Finance
The Eagle Branch is run by students in Lake Shore High School's Academy of Business and Finance. The Academy is a three-year program built on career exploration, professional skills and real-world learning.
Working the branch is part of the program. Juniors interview for real jobs: manager, assistant managers, marketing managers and tellers. Then they serve students and staff every school day.
Academy students still take their regular Regents courses. The Academy adds to them.
Private by design
Student tellers never see your balance or account details. They take your request, and Radius staff complete the transaction. Real job, real responsibility, and your account stays private.
Freshman year
Apply in the winter
Ninth graders apply to the Academy during the winter.
Sophomore year
Start the Academy
The three-year program begins in 10th grade.
Junior year
Interview for a branch job
Manager, assistant manager, marketing manager or teller.
Not-for-profit
Radius is a not-for-profit cooperative. Members own it together, so there are no monthly fees on your account. Your first $25 makes you a member.
“Here for every turn, every transition, and every financial goal.”
Questions
I'm a parent. Can I use the Eagle Branch?
The Eagle Branch serves Lake Shore Central School District students and staff only. Parents and community members are welcome at the Radius Lake Shore Branch, 8766 Erie Rd. in Angola.
What is a credit union?
A credit union is a not-for-profit cooperative. The people who keep their money there are members, and members own it together.
Can student tellers see my account?
No. Student tellers don't have access to account balances or account details. They take your request, and Radius staff complete the transaction. That goes for students and staff alike.
Why does a parent need to be on my account?
Students under 18 need an adult as a joint owner. That can be a parent, guardian or another adult, like a grandparent, aunt, uncle or step-parent.
What if my parent can't come in during business hours?
No appointment is needed, so they can walk in any time the Lake Shore Branch is open. The Kenmore branch is also open Saturday mornings, 8:30 AM to noon. If neither works, call Radius at (716) 875-1747.
Are there any fees?
There are no monthly fees. You keep at least $25 in savings. That $25 is your share, and it makes you a member. If an account has no activity for 12 months, a $10 dormant fee applies.
Can I use Venmo or Zelle?
Venmo, Apple Cash and Cash App all work. Zelle is not available until age 18.
I was a Lake Shore FCU member. Do I need to do anything?
No. Lake Shore Federal Credit Union joined Radius. Every member became a Radius member automatically.
Start your application online. Questions? Stop by the Eagle Branch, 11 AM to 1 PM, or call Radius at (716) 875-1747.
The branch's student marketing team makes its own posts. Find them on Lake Shore's Instagram and Radius's Instagram.
Visit Radius Federal Credit Union or call (716) 875-1747.
The Eagle Branch is a partnership. Lake Shore Central School District hosts it at Lake Shore High School, students in the Academy of Business and Finance run it, and Radius Federal Credit Union holds every account and completes every transaction.
Federally insured by NCUA. Equal Housing Lender.