Members. Matter.
We are a full-service, not-for-profit, financial organization serving over 22,000 members.
Credit Cards
APR %
as low as
0
0
Home Equity
APR %
as low as
0
Personal Loan
APR %
as low as
0
0
Auto Loans
APR %
as low as
0
0
Scholarship Program
Niagara’s Choice FCU is proud to announce its participation in the New York Credit Union Association’s (NYCUA) statewide scholarship program, which offers eligible students a chance to win funds ranging from $250 to $1,500 for the 2026 academic year.
Staying on top of your credit has never been easier!
Check out Credit Score from Savvy Money – now live in Online Banking and our Mobile App.
Niagara’s Choice Holiday Loan
Use for holiday shopping, school expenses, whatever you need.
Skip a Pay Program
Times are tight, we are here to help! When You Need Extra Cash – Skip a Payment!
Give Yourself an Early Payday!
Receive your paycheck a day early with a qualifying direct deposit at Niagara’s Choice. No need to enroll or sign up for anything, we provide this free service automatically.
Skip a Pay Program
We know the rising costs of groceries, rent, gas and other necessities put a strain on your finances. We are here to help when times are tight. Using our Skip a Pay* service can help you stay on track with your monthly budget.