Niagara'S Choice
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1953
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 1953
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Niagara Falls and serves members in the NY area. Currently serving 21,992 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 · NCUAKey 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
1.74%Used Auto Loan
4.70%Personal Loan
10.80%Credit Card APR
8.90%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 Falls, NY
New York, NY
Pearl River, NY
Whitestone, NY
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(5 total)
Member Reviews
3.3
49 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Brad DeWeen
4 months ago
Do not I repeat DO NOT waste your time or money opening any accounts or doing any sort of banking with this so called FCU! Trust me I was a member there for 20+ years! Trust me you will grow your money more & faster with a FCU that is down on the corner of cornerstone & FCU! Witmore ave NFalls, NY! Cornerstone FCU! They do not disrespect you at all, they clear your money into your account from personal checks & certified checks within 2 days! Niagara’s so called FCU takes 1&1/2 weeks ! They are a complete joke! Also there customer service SUCKS!
Tamara Manella
7 months ago
I signed up for a Checking account and credit card on line through Niagaras choice FCU I am so Amazed by the service Melissa M. gave me this Woman was Was on it! I got a call the next morning from Melissa and she walked me through every step! From the credit card to the Checking account i was able to do do everything online which made everything super easy! I HIGHLY recommend Niagaras choice for all of your banking needs. I also have my Auto loan through Niagaras choice they have excellent rates for auto loans! Thank you Melissa for your Great Customer service and helping me with all of my banking needs!
Justin Everett
11 months ago
I've been banking with them for a long time. Good rates.. and everything is always taken care of in a reasonable amount of time.
john “Dochalliday” doe
10 months ago
Hard to do business with. Teaser rates. Long drawn out processes, long waits for service. Just not worth it for financial services. Skip this credit union. Also boilerplate response to review asking if I would like to endure more wasting of my time...😂
Kathleen Clark
a year ago
I recommend banking services through Niagara's Choice without hesitation. It is everything you want in a bank. In my time there, I have acquired a couple of loans and appreciate the knowledgeable and friendly staff.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(716) 284-4110Website
Visit WebsiteMembers
21,992
Total Assets
$257.3M
Year Opened
1953
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile