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Accounts

Accounts

  • Savings
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Savings

Enjoy peace of mind knowing there’s money for unexpected things like medical expenses, or fun things like vacations, with a credit union share account.

Niagara’s Choice savings accounts are created so you can have that peace of mind you deserve. We offer a variety of services to help you fund your savings so you can reach your goals.

  • Payroll deduction and direct deposit are two ways we can help you with your savings plan.
  • Our savings account is a credit union member’s base account, must remain open in order to take advantage of the full range of credit union products and services.
  • A minimum deposit of $5.00 is required at the time a member applies for membership
  • We offer quarterly dividends, compounded daily when the account maintains a minimum of $250.00 daily balance
  • Monthly or quarterly statements are mailed, based on specific activity on member’s accounts. We also offer e-statements.
  • All savings accounts are insured up to $250,000.00 by the National Credit Union Association (NCUA)

Debit

It’s your money and it should stay that way. That is why we try our best to reduce or eliminate common fees you will see on Niagara’s Choice ATM and Debit Cards. Below is a list of features we offer in association with our Debit Cards.

  • A Niagara’s Choice ATM card offers convenient access to your account.
  • Use your card without fees when making withdrawals or transfers at our ATMs, and most 7-11 stores.
  • Find ATMs HERE:  http://co-opcreditunions.org/locator/.
  • Unlike most banks, we do not assess a fee if you use ATMs not operated by Niagara’s Choice; although it’s likely you will be charged a fee by the financial institution or business that owns/operates the machine.
  • With a debit card, you don’t need to carry as much cash or your checkbook.

Christmas/Multi-Purpose

  • Save for the holidays, any occasion or purpose; a little at a time by making regular deposits in a Niagara’s Choice Account; which earns regular savings account dividends. These accounts can be opened any time during the year.
  • Please note, with Holiday Club accounts, funds will be distributed on November 1st by transferring the balance to your regular savings account.
  • Members can make deposits at the teller window, or have periodic transfers from checking or savings. Please ask us about the options!

IRA

Start saving today for that ever important time in your life… retirement!

If you’re looking for IRA accounts we offer Traditional, Roth, and Coverdell Education accounts; all with a minimum opening deposit of only $5.00.

Please consider consulting with your tax advisor as to your eligibility for and IRA; and which type will work best for your needs.

Share Certificate (CD)

If you’re looking for a savings account, then a Niagara’s Choice CD might be the right option for you. Have a look at our features below and reach out to us with any questions you may have. We’re here to help.

  • Our term accounts offer a higher dividend rate for specific terms.
  • We offer terms of 3, 6, 12, 36, 48, or 60 months; with a minimum deposit of $500.00.
  • Dividends are compounded daily and paid quarterly on the average daily balance.

Kids Club

We make savings fun for little ones!  With only a $5 introductory deposit, kids age 12 and under can begin to learn about savings and finances.

 Click here for Dollar Dog Kids Club activities!

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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
Modal title
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
    • Committee Members
    • Contact
      • Main Office
      • Wheatfield Branch
      • Niagara Falls Branch
      • North Tonawanda Branch
      • Lockport Branch
      • Memorial Branch
      • Donation & Sponsorships
      • Careers
      • Become a Member
  • Banking
    • Accounts
      • Savings
      • Debit Cards
      • Christmas/Multi-Purpose
      • IRA
      • Share Certificate (CD)
      • Kids Club
    • Checking & Share Draft Accounts
    • Loans – Auto & Home Equity Plus
  • Services
    • Insurance
    • Financial Planning
    • Become A Member
    • Apply for A Loan
    • Electronic Services
    • Member Services
    • Debit or Credit Card Info
    • Thank-A-Vet Program
  • Resources
    • FAQ
    • Disclosures and Fee Schedule
    • Newsletters-Great Returns
    • NCFCU Partners
    • Credit Report -Information to help
    • ID Theft Resources
    • Kids Resources and Education
    • Important Forms
    • Donation & Sponsorships
    • Debit or Credit Card Info