Business Details
50+ Years
experience
Your Trusted Credit Union for Financial Services in Niagara Falls, NY
Encompass Niagara Credit Union has served the Niagara County community since 1934, evolving from its origins as Niagara Dupont Employees Credit Union to its current status as a federal charter institution. Our member-owned cooperative provides a comprehensive range of financial services including low-interest home and auto loans, savings and checking accounts, and wealth management solutions. With a commitment to community service and financial education, we prioritize member needs through personalized financial planning and investment advisory services.Our team of certified professionals delivers tailored solutions while maintaining strict adherence to federal regulations and NCUA insurance standards. Through strategic mergers and continuous service expansion, we maintain our mission to provide accessible, affordable financial services while ensuring operational transparency and member engagement through digital banking platforms and community outreach initiatives.
Services
Home Loans
Auto Loans
Savings Accounts
Wealth Management
Youth Accounts
Certificate Accounts
Mortgage Services
Financial Planning
Investment Advisory
Mobile Banking
Details
- Year established: 1934
Highlights and features
- We are member-owned and not-for-profit with competitive loan rates since 1934
- Our financial advisors provide personalized wealth management strategies
- We offer free Accidental Death and Dismemberment insurance to all members
- Our youth financial education programs include scholarship opportunities
- We maintain 24/7 digital banking access with no ATM withdrawal fees
Associations and certifications
- NCUA
What people say
Low interest rates
Personalized financial planning
Youth education programs
Competitive mortgage rates
Responsive advisors
Services
Home Loans
Our home loan program offers competitive fixed and variable rate mortgages tailored to individual financial situations. Using a credit-based lending system, we help members achieve homeownership with personalized loan terms. With options for first-time buyers and refinancing, our mortgage specialists provide guidance through the entire loan process while maintaining transparent fee structures.
Wealth Management
Our investment advisory services provide comprehensive financial planning for all life stages. Certified advisors create customized strategies considering risk tolerance, time horizons, and financial goals. Through managed portfolios and retirement planning tools, we help members grow wealth while maintaining fiduciary responsibility and transparent fee structures.
Youth Accounts
Our youth financial education programs include Chipmunk Club for children (0-12) and Prime Savers Club for teens (13-17). These accounts teach financial responsibility through goal-oriented savings with matching deposits and educational incentives. Special features include report card rewards and scholarship opportunities to promote financial literacy.
Auto Loans
We offer new and used auto loan programs with competitive rates for qualified members. Our financing options include share-secured loans and unsecured credit lines. The risk-based lending system considers credit scores and debt-to-income ratios to determine personalized loan terms and interest rates.
Certificate Accounts
Our certificate accounts provide guaranteed returns with terms ranging from 6 months to multiple years. Competitive dividend rates increase with longer terms, offering secure investment options for short and long-term financial goals. Special youth certificate programs start at $50 minimum deposits.
People
Evan Kulak
Wealth Advisor
Evan provides personalized financial planning and investment management services. He focuses on understanding member goals to create customized wealth strategies. Available for consultations during regular business hours and evenings.
Mike McDermott
Wealth Advisor
Mike specializes in retirement planning and portfolio management. He works with members to develop comprehensive financial strategies aligned with their risk tolerance and life objectives. Offers flexible appointment scheduling.
Questions
How do I become a member of Encompass Niagara Federal Credit Union?
Membership requires living, working, worshiping, attending school, or volunteering in Niagara County. Visit our office with valid photo ID to open a savings account with a $5 minimum deposit.
What loan payment options are available?
We offer multiple payment methods including mail-in checks, bank transfers, online bill pay, in-person payments, ATM deposits, and automatic deductions from your credit union checking account.
Can I get pre-approved for a loan before shopping?
Yes, we recommend pre-approval to understand your budget. The process considers your credit score and debt-to-income ratio to determine qualifying loan amounts and interest rates.
What financial hardship assistance options exist?
Contact us immediately if facing financial difficulties. We may offer loan term extensions, payment reductions, or interest-only payments for up to 3 months following review by our management team.
What youth financial education programs do you offer?
Our Chipmunk Club (ages 0-12) and Prime Savers Club (ages 13-17) include matching deposits, report card rewards, and financial literacy education with special scholarship opportunities.
How does your wealth management service work?
Our advisors create personalized financial plans considering your goals, risk tolerance, and time horizon. Services include retirement planning, investment management, and 24/7 online portfolio access with no commissions or hidden fees.
