Featured Savings Rates
Featured Accounts

Niagara's Choice Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.75%5-year CD60 Month CD
0.10%1-year CD12 Month CD
0.05%SavingsRegular Savings Account

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

Niagara's Choice Federal Credit Union is headquartered in Niagara Falls and is the 56th largest credit union in the state of New York. It is also the 1,150th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 45 employees and 24,122 members at 5 locations. Niagara's Choice Federal Credit Union has a B+ 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
B+

Health Grade Components

Overall
NCUA #8693
Year Chartered1953
Employees45
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.92%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$164.8MM$149.8MM
LoansQ4 2016vs Q4 2015$92.2MM$77.1MM
DepositsQ4 2016vs Q4 2015$148.8MM$134.1MM
Equity CapitalQ4 2016vs Q4 2015$14.0MM$13.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.0MM$733.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.3MM$699.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$5.00K
Rates
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Niagara's Choice Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$250-IRA Savings Account
0.05%$250-Regular Savings Account
0.05%$250-Christmas Club Account

Niagara's Choice Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$250-Regular Checking

Niagara's Choice Federal 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 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