When exploring your financing options, we know you’ll want a financial institution you can trust. Here at Niagara’s Choice, our knowledgeable loan officers are ready to assist you step-by-step through the loan process. We offer:
- A full range of loan services to meet your needs
- Fast, easy process
- Competitive rates and flexible terms
- Apply online, in person or over the phone at 716.284.4110 – contact us
MasterCard® Credit Cards
Niagara’s Choice is proud to offer a competitive, non-variable interest rate credit card. There is no annual fee with our cards, they offer rewards, and are accepted worldwide. Our NCFCU MasterCard® can be used to make purchases in person, online and over the phone.
- Apply for your card in person or online here
- Low, non-variable rates
- No annual fee
- No fee balance transfers
With a variety of options and great low rates, we have a card to meet your needs. Including:
- First time borrower Credit Card – build your credit with a limit up to $500.
- Student Credit Card – with a $500 limit this is great for students who are out on their own for the first time.
- Share Secured Credit Card
- A share-secured credit card is backed by a deposit, the amount of which becomes your spending limit. You purchase items with the credit card and pay the balance each month. (Secured credit cards report information to the major credit bureaus every month, just like unsecured cards.)
Whichever option you choose you can manage your credit card using our online banking system:
- Access your balance and check transactions
- Check rewards points
- View statements and make payments
- Add travel notes
- Report your card lost or stolen
- Make a balance transfer from another credit card to your NCFCU MasterCard®
Make your Credit Card work for you with CU Rewards
Members who have a Niagara’s Choice FCU Mastercard® earn CURewards points with every purchase made on their NCFCU credit card. Points are redeemable for:
- Merchandise
- Travel
- Gift Cards
- Cash Back
Cardholders will receive 1 base point for every $1 they spend on their NCFCU Mastercard®. Additionally cardholders can earn extra points by using their cards at participating CURewards Mall merchants. The more cardholders earn, the greater the reward. There is no cost for this service and signup is easy at CURewards.com.
CURewards points are automatically added to your account. Point activity will appear on your monthly cardholder statement. You may also access point activity by logging into CURewards.com or through online banking. CURewards points are good for 3 years from the end of the calendar year in which they are earned.
How to redeem points: 800-637-7728 or CURewards.com
How to contact CURewards: 800-637-7728 or CURewards.com
Home Equity Loans and Lines of Credit
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 other purchases – vacations, college tuition, home improvements, debt consolidation and more.
What is home equity?
It is the difference between what you owe on your mortgage and how much your home is worth.
What is a home equity loan?
This option is a one time loan with a fixed rate and monthly payment. The amount you can borrow will depend on the available equity in your home.
What is a Home Equity Line of Credit (HELOC)?
This option is a revolving line of credit. You can borrow from it as needed up to your available credit line. This is based on the available equity in your home. You can borrow, repay, and borrow again when needed. The draw period is 15 years with a repayment period of 30 years. We have great rates on Home Equity loans and lines of credit as well as:
- No closing costs if loan is open for three years or more
- Up to 85% loan to value
- No annual fee
- Payment protection available to eligible members
You can stop by any Niagara’s Choice branch to speak to a loan officer and pick up a home equity loan packet.
Competitive Mortgage Financing from the credit union you trust
Whether you are purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service. We work in partnership with a dedicated team of mortgage professionals at Owners Choice Funding to provide the financing options you need.
Our mortgage program features:
- A secure online application process
- Expanded loan programs
- Low interest rates and closing costs
- Expert support and assistance throughout the entire process
All Niagara’s Choice mortgage loans are service through Owners Choice, 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 one of our branches or contact us at 716-284-4110. You can also visit https://niagaraschoice.mymortgage-online.com to apply or for more information.
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
Personal Loan
For the moments in life when there’s just not enough savings to pay for what you need, contact Niagara’s Choice to discuss our Personal Loan options. Our loan officers are happy to help however they can.
- Apply in branch or online here
- Use for debt consolidation, college costs, travel – anything you need
- Terms up to 5 years
- Discounted rate when you set up auto payments
- Loans up to $20,000 for qualified borrowers
- Share secured loans also available
- A share secured loan is one that uses the assets in your savings account as collateral for the loan. When you are approved for a secured loan, an amount in your savings account equal to the loan is frozen for the term of the loan. The money becomes available in your savings again as the loan is paid off.
Recreational Vehicle and Motorhomes
Looking for adventure on the open road? Or sun filled days on our lakes and rivers? Niagara’s Choice is here to help finance a new or used recreational vehicle for you. We can finance:
- Motorhomes, Fifth Wheel Trailers, Campers
- Boats and Jetskis
- Snowmobiles
- ATV
- Motorcycles
We offer competitive rates and terms to fit your budget.
- Get pre-approved before you shop
- Auto Pay discount available
- Payment protection available to qualified members
Stop in a branch or apply online here
Vehicles – New, Used, or Classic
Whether you are buying a new, used or classic car Niagara’s Choice is here to help with your financing needs. Buying out a lease or looking for a better rate? We can help you refinance as well.
- Quick and easy application process– apply in person or online here
- Rate discount available when automatic payments are set up
- Loan preapproval available for smarter car buying power – gives you 30 days to shop
- First time auto loan for new borrowers
- Various terms available, choose what works best for your budget
- GAP Coverage and Car Warranty Programs available
- Rate Match program for new vehicles
- Rate Beat program for refinancing vehicles
