Members. Matter.

We are a full-service, not-for-profit, financial organization serving over 24,000 members.  The majority of our member base is within Niagara County, we serve members who live across the United States.

The credit union was founded in 1953 by a small group of employees of the former Hooker Chemical Company.  In 1989 the credit union was renamed OxyChem Niagara Federal Credit Union to coincide with Hooker Chemical becoming Occidental Chemical (OxyChem).  In 2004, OxyChem FCU became Niagara’s Choice FCU to better reflect the people we serve.  The credit union then opened membership to all persons who live, work, and worship, volunteer or attend school in Niagara County.

Niagara’s Choice FCU, merged with Niagara County FCU in 2012 expanding to a 5 branch, $124 million, 50 employee credit union.  Recently, in May of 2018 Niagara’s Choice merged again with the Niagara Falls Memorial Medical Center FCU, to create a $190 million organization and serve over 24,000 members, offering six branches to serve.

Niagara’s Choice is currently the 3rd largest credit union, asset wise, headquartered in WNY.  If you are ready for a different kind of banking experience, Choose to Bank where you Belong… Niagara’s Choice!


Members. Benefit.

Why be a member of our credit union?

We empowering you the member, not like a bank empowers its stakeholders.
When you open a savings account for just $5 it makes you a member. And that entitles you to receive a share of any surplus income as an annual dividend.

Reduced or no fees and better rates.
A credit union is a nonprofit, so we reduce or eliminate many fees. And offer better rates on savings and more attractive terms on loans.  Your accounts are federally insured up to $250,000.

Full services like a bank only better.
We offer a variety of loans to fit your budget, such as:  Auto and vehicle refinancing, Home Equity and Home Equity Lines of Credit (HELOC), Personal, Mobile Homes and First Mortgages-through OwnersChoice Funding.  Need a debit or credit card? We can help. You can also apply for a Mastercard rewards program with us.

Technology at your fingertips.
We offer the convenience of online banking and mobile apps to do your banking 24/7.

Conveniently located branches and a shared network that offers over 5000 Co op branches and 30,000 ATMs nationwide.
We are connected by CO-OP which links you with other credit unions nationwide. As a member, you have access to nearly 30,000 surcharge-free CO-OP ATMs. You also can visit more than 5,000 CO-OP Shared Branch credit union locations to make in-person transactions, just like at your home branch.

Member discounts and services to save you money.
Along with savings, loans and share certificates (similar to CDs at banks), there are a number of attraction discounts available to our members.  Members also have access to discounted insurance providers, financial counseling, notaries and more.

Stop in and meet with our member services representative today to find out why Niagara’s Choice Federal Credit Union is where you belong!