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.
Introducing our New Call Center!
Our new on-site, employee staffed, Call Center is now open
New Lower Rates on Auto Loans
Great Low Rates on New and Used Auto Loans. Click here to learn more.
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.