Business Details
Your Trusted Partner for Financial Solutions in New York
Founded to serve the financial needs of our community, Ontario Shores Federal Credit Union FCU is committed to promoting financial well-being through accessible, member-focused services. Our team brings decades of experience in personalized banking, offering sound financial guidance and fostering trusted relationships. We prioritize transparency, with no monthly fees, minimum balances, or per-check charges, ensuring our members retain full control over their finances.Backed by NCUA Share Insurance, we deliver secure solutions including checking, savings, loans, and credit cards. Our mission drives us to empower members across Niagara, Orleans, and surrounding counties with tools for long-term financial success.
Services
Checking Accounts
Savings Plans
Auto Loans
Home Loans
Credit Cards
Student Loans
Mortgage Loans
Personal Loans
Online Banking
Mobile App Services
Highlights and features
- We offer no monthly fees, minimum balances, or per-check charges.
- Our competitive APRs include auto loans starting at 4.50%.
- We serve members across seven New York counties with local expertise.
- Online and mobile banking provides 24/7 account access.
- NCUA Share Insurance protects member deposits up to $250,000.
Associations and certifications
- NCUA
Services
Checking Accounts
Our checking accounts provide flexible, fee-free access to your money with no monthly charges or minimum balance requirements. Designed for everyday transactions, these accounts include free debit cards and online bill pay. Members benefit from secure, straightforward banking tailored to personal and business needs.
Auto Loans
Competitive auto loans start at 4.50% APR with terms tailored to your financial situation. We offer financing for new and used vehicles, including fast approval and flexible repayment options. Our advisors help members secure affordable rates while maintaining financial stability.
Online Banking
24/7 online and mobile banking services let members manage accounts, transfer funds, pay bills, and monitor transactions securely. The mobile app includes features like mobile check deposit and real-time alerts. These tools empower members to control their finances anytime, anywhere.
Credit Cards
Credit cards with a current rate of 9.90% APR offer rewards programs, fraud protection, and global acceptance. We provide options for building credit or earning cashback, with personalized support for managing balances and maximizing benefits.
Home Loans
Home loans include fixed and variable-rate mortgages starting at 6.50% APR for qualified members. We assist with home purchases, refinancing, and equity loans, offering competitive terms and personalized guidance throughout the application process.
Questions
What are the eligibility requirements for membership?
You qualify if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben Counties.
What services does Ontario Shores FCU offer?
We provide checking and savings accounts, auto and home loans, credit cards, student loans, and online banking tools with no monthly fees.
How can I access my account outside of branch hours?
Use our 24/7 online banking portal or mobile app to check balances, transfer funds, and pay bills securely from any device.
Are my deposits insured?
Yes, NCUA Share Insurance protects deposits up to $250,000 per member, ensuring your funds remain secure.
What loan rates are currently available?
Auto loans start at 4.50% APR, home equity lines at 7.25% APR, and credit cards have a current rate of 9.90% APR.
