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
0
Personal Loan
APR %
as low as
0
0
Auto Loans
APR %
as low as
0
0
Teacher Appreciation Giveaway 2026
Niagara’s Choice will be giving away Amazon gift cards to local teachers to help purchase classroom supplies for the upcoming school year. Total giveaway – Fifteen $200 prizes.
Refer a Friend. Share the Rewards. Win Big!
Share the Niagara’s Choice advantage with friends and family—and you could both be rewarded.
Digital Wallet
Digital wallet is here! Tap and pay with confidence. Simply add your Niagara’s Choice credit or debit card to your digital wallet today. Start using your phone to pay for transactions wherever you see the tap to pay symbol.
A MORTGAGE THAT FITS YOUR LIFE
Our application is quick, secure and user friendly. Stay informed with our interactive loan portal. Get real time status updates, and upload documentation with ease!
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.
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.