Niagara's Choice Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

niagaraschoice.org

716-284-4110

3619 Packard Rd
Niagara Falls, NY 14303

Niagara's Choice Credit Union is headquartered in Niagara Falls and is the 51^st largest credit union in the state of New York. It is also the 1,111^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 57 employees and 22,267 members at 5 locations. Niagara's Choice Credit Union has a B+ health rating.

Field of Membership Restrictions

Niagara's Choice Credit Union membership is available to all persons who volunteer, live, work, worship or attend school in Niagara County, New York.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8693
Year Chartered	1953
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	9.08%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$259.2MM$259.7MM
Loans	Q1 2025vs Q1 2024	$147.3MM$154.3MM
Deposits	Q1 2025vs Q1 2024	$236.2MM$241.6MM
Equity Capital	Q1 2025vs Q1 2024	$22.3MM$16.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.2MM$2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$1.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Niagara's Choice Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Niagara's Choice Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$250	-	Regular Savings Account
0.05%	$250	-	Christmas Savings

Niagara's Choice Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$500	-	60 Month CD
0.50%	$500	-	48 Month CD
0.25%	$500	-	36 Month CD
0.10%	$500	-	6 Month CD
0.10%	$500	-	24 Month CD
0.10%	$500	-	3 Month CD
0.10%	$500	-	12 Month CD

Niagara's Choice Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$250	-	IRA Savings Account

Locations

Niagara's Choice Credit Union Locations
Branch Office	260 West Ave	Lockport, NY 14094
Branch Office	3619 Packard Rd	Niagara Falls, NY 14303-2224
Branch Office	900 Main St	Niagara Falls, NY 14301
Branch Office	3577 Niagara Falls Blvd	North Tonawanda, NY 14120
Branch Office	2131 Sawyer Dr	Niagara Falls, NY 14304

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.