Overview / Commentary
716-284-4110
3619 Packard Rd
Niagara Falls, NY 14303-2224

Niagara's Choice Credit Union is headquartered in Niagara Falls and is the 53rd largest credit union in the state of New York. It is also the 1,078th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 48 employees and 24,490 members at 6 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.
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

Health Grade Components

Overall
NCUA #8693
Year Chartered1953
Employees48
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD12.53%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$192.2MM$177.2MM
LoansQ2 2018vs Q2 2017$112.3MM$98.6MM
DepositsQ2 2018vs Q2 2017$173.6MM$160.1MM
Equity CapitalQ2 2018vs Q2 2017$15.9MM$14.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.5MM$1.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.5MM$1.6MM
Real Estate OwnedQ2 2018vs Q2 2017$53.00K$0
Rates
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† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Niagara's Choice Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$250-IRA Savings Account
0.05%$250-Regular Savings Account
0.05%$250-Christmas Savings
0.05%$250-Multi-Purpose Account

Niagara's Choice Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$500-60 Month CD
0.50%$500-48 Month CD
0.25%$500-36 Month CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD
0.10%$500-12 Month CD
0.10%$500-24 Month CD
Locations


Niagara's Choice 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
Branch Office621 10th StNiagara Falls, NY 14301-1813

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