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Loans – Auto & Home Equity Plus

Loans – Auto & Home Equity Plus

  • Apply for a Low Rate
  • Vehicle
  • Home Equity
  • Personal
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  • Recreational
  • RVs /Motor Homes
  • Antique/Classic Cars
  • Mobile Homes
  • House Mortgages – OwnersChoice Funding
  • Loan Calculator

Apply for a Low Rate

When exploring your financing options, we believe you’ll want a financial institution you can feel comfortable with. Here at Niagara’s Choice, our loan officers are ready to assist you step-by-step through the loan process. Choose Niagara’s Choice because we offer the best loans with low-interest rates in Niagara County.

  • Fast, easy process
  • Competitive, low rates and flexible terms
  • Apply online, in person or over the phone – contact us

Vehicle

Great Rates on New & Used Auto Loans!

Whether you are buying new, used or ready to refinance your vehicle, Niagara’s Choice is here to help with your financing needs.

Get a vehicle loan from Niagara’s Choice FCU at a great low rate

Get pre-approved before you shop for smarter car-buying power.

  • Know that you should get Pre-approved before you shop. It’s fast and will help move the buying process along faster
  • Low, Low rates that almost always beat other financing places
  • No hidden fees or penalties
  • Look to us to refinance at better rates and better savings to you
  • First-time auto loan for borrowers with no credit score
  • Terms up to 7 years to fit your budget with convenient automatic payments
  • Payment protection available to eligible members
  • Current Rates

 

 

 

Home Equity

You want to enjoy life to the fullest yet sometimes you need a little help to make that happen.  A Home Equity Loan or Home Equity Line of Credit (HELOC) can help make it happen.

Brand new swimming pool
You can get a new swimming pool with a home equity loan from Niagara’s Choice FCU

Your home will most likely be your biggest investment in life. Why not use the available equity in your home to finance some of your most important purchases; vacation, school tuition, debt consolidation, home improvement, etc. Stop into any Niagara’s Choice location to pick up a Home Equity packet today.

  • Home equity loans (Fixed rate and payment)
  • Home equity line of credit (Variable rate and payment)
  • Up to 85% loan to value
  • No annual fee
  • No closing costs available on eligible loans
  • Processing time 2-3 weeks
  • Payment protection available to eligible members
  • Current Rates

Personal

Niagara’s Choice auto and home equity loans offer great savings but sometimes you need other options.  Talk to your loan specialist at NCFCU to see what is best for you.

For the moments in life when there’s just not enough savings to pay for what you need, contact Niagara’s Choice to discuss your personal loan options. We are here to help make your situation a little easier. Let us know your needs; our loan officers are happy to discuss them with you. Stop in or call today.

  • Debt consolidation
  • No collateral needed
  • Terms up to 5 years
  • Payment protection available to eligible members
  • Current Rates

Credit Cards

Unsecured and Secured MasterCard

In today’s world, most credit cards provide interest rates that can change. Niagara’s Choice is proud to offer a competitive, non-variable interest rate credit cards with no annual fee, and you will earn rewards. Stop in to apply today.

  • Current Rates
  • CU Rewards
  • Unsecured and Secured MasterCard
  • Low, non-variable interest rates
  • No annual fee
  • Balance transfers
  • Payment protection available to eligible members

Recreational

Looking for a little fun in your life? Niagara’s Choice is here to help finance a recreational vehicle for you. Life is meant to be fun! Stop in or call today to apply.

  • Travel trailers
  • Campers
  • Boats
  • Personal Watercrafts
  • Snowmobiles
  • ATV’s & UTV’s
  • Terms up to 6 years
  • Payment protection available to eligible members
  • Current Rates

RVs /Motor Homes

Are you a traveler? RVs can often be an expensive, long term commitment. Niagara’s Choice is happy to work with you to finance your investment with terms comfortable for you. Call us today for details.

  • New and used
  • Terms up to 20 years (loan must qualify for the maximum term)
  • Payment protection available to eligible members
  • Current Rates

Antique/Classic Cars

Do you collect older cars? If so, we may be able to help you finance your next purchase. Stop in or call any Niagara’s Choice location today for details.

  • Terms up to 10 years
  • Payment protection available to eligible members
  • Current Rates

Mobile Homes

At Niagara’s Choice, we are pleased to offer mobile home financing. Ask one of our loan officers for details today.

  • New and used
  • Terms up to 15 years
  • Payment protection available to eligible members
  • Current Rates

House Mortgages – OwnersChoice Funding

Competitive mortgage financing from the credit union you trust

Niagara’s Choice in partnership with OwnersChoice is pleased to announce our mortgage financing program. Whether you’re purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service.

Our mortgage program features:

  • a secure online application process;
  • expanded loan programs;
  • low-interest rates and closing costs; and
  • expert support and assistance throughout the entire process.

All Niagara’s Choice mortgage loans are serviced through OwnersChoice, a full-service mortgage corporation serving credit unions in the greater Northeast.

If you are looking for competitive mortgage financing from a lender you can trust, stop by our office or contact us at 716-284-4110.

Apply now through Owner’s Choice

mortgage loans in niagara county
Niagara’s Choice works with Owners Choice to secure home mortgages for members

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Credit Life & Credit Disability

 

As a member of Niagara’s Choice, you are not limited to banking in just Niagara County take us with you where ever you go with our mobile app!

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Our Locations

Niagara Falls
North Tonawanda
Lockport
Wheatfield

Main Office

3619 Packard Road
Niagara Falls, NY 14303
Phone: (716) 284-4110
FAX: (716) 284-4123

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Memorial Branch
621 10th Street
Niagara Falls, NY 14301

Phone: (716) 284-4110
Fax: (716) 322-4390
Telephone Banking System:
(716) 284-4110 Opt.4

  • Monday through Friday: 8:00am - 4:00pm
  • Closed for lunch daily: 12:00pm—12:30pm
Get Directions | More Information

Main Office
3619 Packard Road
Niagara Falls, NY 14303

Phone: (716) 284-4110
Fax: (716) 284-4123
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday: 8:30am - 12:00pm
Get Directions | More Information

Niagara Falls Branch
900 Main St
Niagara Falls, NY 14303

Phone: (716) 284-4110
Fax: (716) 284-4123
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 9:00am - 5:00pm
Get Directions | More Information

Wheatfield Branch
2131 Sawyer Drive
Wheatfield, NY 14304

Phone: (716) 284-4110
Fax: (716) 923-1467
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday through Friday: 8:30am until 5pm
Get Directions | More Information

North Tonawanda Branch
3577 Niagara Falls Blvd
N. Tonawanda, NY 14120

Phone: (716) 284-4110
Fax: (716) 693-5183
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday: 8:30am - 12:00pm
Get Directions | More Information

Lockport Branch
260 West Avenue
Lockport, NY 14094

Phone: (716) 284-4110
Fax: (716) 434-1127
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Friday: 8:30am - 5:00pm
  • Saturday Drive-Thru ONLY: 8:30am - 12:00pm
Get Directions | More Information
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Important Notice – Niagara’s Choice has been made aware of an attempted attack on our debit card portfolio. Please understand that this is not a hack. In order to fend off malicious actions and to safeguard your accounts some transactions made on your debit card may be blocked such as PayPal, Ebay and Amazon. This does not apply to transactions made on your Niagara’s Choice credit card. It applies to debit card transactions only. We are working swiftly to rectify this issue and will continue to keep you informed. You can monitor your accounts through our online banking and mobile app. We are reaching out to members that may be affected. If you have any questions or concerns please contact us at 716-284-4110 during normal business hours or our fraud line @ 855-710-3055.
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  • About Us
    • Board of Directors
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    • Contact
      • Main Office
      • Wheatfield Branch
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      • Donation & Sponsorships
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      • Become a Member
  • Banking
    • Accounts
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  • Services
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    • Debit or Credit Card Info