Encompass Niagara

2525 Military Rd, Niagara Falls, NY 14304

NCUA Insured3.1 (16 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Niagara Falls, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1934

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2525 Military Rd

Niagara Falls, NY 14304

Google Maps 🗺Waze

(716) 236-7678

Service Area

This credit union is located in Niagara Falls and serves members in the NY area. Currently serving 2,824 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

2.75%

Used Auto Loan

7.25%

Personal Loan

11.75%

Credit Card APR

12.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.1

16 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Malcolm

2 years ago

This bank is officially the worst bank to go to. They have no communication someone will tell you one thing then someone else will call back and say something completely different. They force you into signing paperwork and make everything difficult. Currently looking into a lawsuit due to the lie. They will tell you whatever you wanna hear to make you sign papers with them. Highly don’t recommend!!!

Dakiela Jenkins

a year ago

They sent us a letter with our account information, how to create a log in before they merged with encompass. The only complaint that I have, is when they 1st merged, it was showing a payment due, even though it was made. They emailed me back and said it was a system issue.

Kiara Neely

2 years ago

DO NOT USE THIS BANK they are constantly providing incorrect information. They forced my wife to get a loan after she told them she lost her job and constantly telling lies every time we call. They are the worst bank iv ever dealt with!!!!