Apply for a Low Rate Loans

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 on-line, in person or over the phone – contact us

Vehicle Loans

New & Used Auto Loans With Rates at low as 2.10%

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




Apply online or stop by Niagara’s Choice and get pre-approved for your auto loan first!



Buying a vehicle can be so stressful you can come to a full stop. Niagara’s Choice is here to keep you cruising!

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

Home Equity Loans

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 in to 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

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

Personal Loans

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 competitive, fixed (non-variable) interest rate credit cards with no annual fee, and you will earn rewards. Stop in to apply today.


Recreational Loans

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 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.


Loan Calculator

Simple Loan Calculator

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!