Business Details
50+ Years
experience
Your Trusted Credit Union in Niagara Falls, NY
Founded in 1953, Niagaras Choice Federal Credit Union has grown to become the third-largest credit union headquartered in Western New York, serving over 22,000 members. Our history began with employees of Hooker Chemical Company and expanded through strategic mergers, including Niagara County FCU in 2012 and Niagara Falls Memorial Medical Center FCU in 2018. We operate five branches across Erie and Niagara counties, offering a full range of financial services tailored to meet the needs of our community. As a not-for-profit, member-owned cooperative, we prioritize competitive rates on savings accounts, loans, and credit products while maintaining a strong commitment to personalized service.Our technology-driven solutions include 24/7 online and mobile banking, remote deposit capture, and a nationwide network of 30,000 surcharge-free ATMs. We distinguish ourselves through member-centric benefits like annual dividends, financial counseling, and exclusive insurance partnerships. Our team of experienced professionals adheres to strict ethical standards, ensuring transparency in all transactions and maintaining federal insurance up to $250,000 for member accounts. Through continuous innovation and community engagement, we strive to provide accessible, reliable financial solutions that empower our members to achieve their goals.
Services
Savings Accounts
Share Certificates
Checking Accounts
Home Equity Loans
Personal Loans
Auto Loans
Mortgages
Credit Cards
Online Banking
Insurance Services
Details
- Year established: 1953
Highlights and features
- We offer better rates and lower fees as a not-for-profit, member-owned credit union.
- Our 24/7 online and mobile banking provides convenient access to account management.
- We provide exclusive member benefits including annual dividends and discounted insurance.
- Our local expertise serves Erie and Niagara county communities with personalized solutions.
- We maintain a nationwide network of 30,000 surcharge-free ATMs through CO-OP partnerships.
Services
Personal Loans
Our personal loans provide flexible financing for life's unexpected expenses. Members qualify based on creditworthiness rather than collateral requirements. Competitive interest rates and fixed repayment terms make budgeting predictable while our streamlined application process delivers quick decisions. Loan proceeds can be used for debt consolidation, medical bills, or major purchases.
Home Equity Loans
Leverage your home's value with fixed-rate home equity loans offering substantial borrowing limits. These secured loans feature predictable monthly payments and potential tax advantages. Our lending specialists help members assess loan-to-value ratios and repayment capacity to determine appropriate borrowing amounts.
Online Banking
Manage finances 24/7 through our secure online platform with bill payment, fund transfers, and account monitoring. Real-time transaction tracking and customizable alerts enhance financial control. Mobile app integration allows check deposits and instant balance updates from anywhere.
Credit Cards
Earn CURewards points on every purchase with our low APR credit cards featuring EMV chip security. Cardholders accumulate points toward travel, merchandise, or cash back options. No annual fees and competitive interest rates make these cards valuable financial tools.
Auto Loans
Finance new or used vehicles with competitive rates and flexible terms up to 72 months. Our auto loans accommodate various credit profiles while offering refinancing options for existing loans. Members benefit from instant issue debit cards for immediate purchasing power after account opening.
Questions
Who is eligible to become a member?
Anyone living, working, worshiping, or studying in Erie or Niagara counties qualifies for membership.
What loan types do you offer?
We provide auto loans, home equity loans, personal loans, mortgages, and recreational vehicle financing options.
How can I access my accounts after hours?
Our online and mobile banking platforms provide 24/7 account access for transactions and monitoring.
Do you have surcharge-free ATMs?
Yes, members access 30,000 surcharge-free ATMs nationwide through the CO-OP network.
What insurance services are available?
We offer home/auto insurance partnerships, life insurance, and accidental death & dismemberment coverage options.
Can I apply for loans online?
Yes, our website supports online loan applications with instant preliminary approval assessments.
