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Niagara's Choice Federal Credit Union

Popular Accounts at this Credit Union

1.00%5-year CD60 Month CD
0.25%1-year CD12 Month CD
0.10%SavingsRegular Savings Account

Overview / Commentary
3619 Packard Rd
Niagara Falls, NY 14303-2224

Niagara's Choice Federal Credit Union is headquartered in Niagara Falls and is the 58th largest credit union in the state of New York. It is also the 1,159th largest credit union in the nation. It was established in 1953 and as of September of 2016, it had grown to 47 employees and 22,684 members at 5 locations. Niagara's Choice Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to all persons who live, work, worship or attend school in Niagara County.
See current membership details

Reviews (2)

Good credit union

I have had a very good experience with this credit union. They even mailed me something I left on their counter once (a receipt). I was able to open accounts for my children easily, and they make it easy for you to manage all of your accounts (including your kid's) online in one place. They also have good programs like life insurance for members. Their employees are pleasant and friendly, and they are able to get people through line quickly. I have never waited more than 5 minutes. One of their branches also has a "little library" book exchange area in their foyer, which is nice if you have a book you've read and you want to trade it. Overall a good, friendly, neighborhood credit union that serves many local businesses.

Great place to do business

Posted by: PaulLane | Sep 7, 2014

I've been a customer of Niagara's Choice Credit Union for more than a decade. I've had nothing but positive experiences in that time. I got a hassle-free car loan at a great rate and manageable payments. They helped me set up a vacation account that was comprehensive and easy to use. And their checking services offer a variety of amenities that are valuable to customers.


Health Grade Components

NCUA #8693
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.66%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$162.0MM$147.4MM
LoansQ3 2016vs Q3 2015$89.0MM$74.2MM
DepositsQ3 2016vs Q3 2015$145.5MM$131.4MM
Equity CapitalQ3 2016vs Q3 2015$14.5MM$13.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$948.00K$632.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$738.00K$803.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$5.00K
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Niagara's Choice Federal Credit Union Savings Account Rates

0.50%$250-IRA Savings Account
0.10%$250-Regular Savings Account
0.10%$250-Christmas Club Account

Niagara's Choice Federal Credit Union Checking Account Rates

0.03%$250-Regular Checking

Niagara's Choice Federal Credit Union CD Rates

1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.50%$500-36 Month CD
0.25%$500-3 Month CD
0.25%$500-6 Month CD
0.25%$500-12 Month CD
0.25%$500-24 Month CD

Niagara's Choice Federal Credit Union Locations
Branch Office260 West AveLockport, NY 14094
Branch Office3619 Packard RdNiagara Falls, NY 14303-2224
Branch Office900 Main StNiagara Falls, NY 14301
Branch Office3577 Niagara Falls BlvdNorth Tonawanda, NY 14120
Branch Office2131 Sawyer DrNiagara Falls, NY 14304