LoanTermRates As Low As
APR
New Auto (2023 or newer)24 to 84 months4.70% **
Used Auto (2018-2022)24 to 72 months4.70% **
Older Used Auto (2014-2017)24 to 48 months8.85% **
Share Secured1 to 60 monthsShare Account Rate + 1.00%
Overdraft Line of CreditRevolvingPrime + 8.50%
Signature (Personal Loan)1 to 60 months10.80% **
Mobile Home12 to 180 months7.15% **
MasterCard Credit CardRevolving8.90%
Home Equity Loan60 to 180 months5.55%
Home Equity Line of Credit180 monthsPrime + 0% *
Home Equity Line of Credit Promo180 months3.75% fixed for 12-months ***
Antique, Classic, Street-rod Vehicles12 to 120 months6.00% **
Motorhomes & 5th Wheels
(New and Used)
12 to 144 months7.65% **
Sports Craft / Motorcycle12 to 72 months7.00% **
Boat12 to 120 months7.00% **

The rates displayed are the lowest rates offered. Term, credit score, and year of vehicle will determine the actual APR (Annual Percentage Rate). Rates are subject to change at any time. 

** Rate includes auto-pay discount of .25%

*As of May 1, 2025, Prime is 7.50%. The rate is calculated using the current index plus margin and could be as low as 7.50%, which is the lowest rate allowed. The actual rate is determined based on credit worthiness.

*** Additional restrictions apply for the 12-month 3.75% Fixed Introductory rate HELOC

 

Terms and conditions apply. Niagara’s Choice FCU membership is required to process loan applications. Application subject approval. 

NCFCU Deposit Rate Chart

 

Deposit RatesRateAPY
Regular Savings.05%.05%
Club Savings.05%.05%
IRA Savings.15%.15%

Rates current as of 01/29/24 but subject to change relative to market conditions. Please call for the most up-to-date rates. Rates have been projected by the Board of Directors based on a forecast of income and available funds to declare a dividend.
*Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts.

NCFCU CD Rate Chart

 

Certificate of
Deposit (CD)**
Term
RateAPY
3 Months.10%.10%
6 Months.10%.10%
12 Months.10%.10%
24 Months.10%.10%
36 Months.25%.25%
48 Months.50%.501%
60 Months.75%.753%

Rates current as of 01/29/24 but subject to change relative to market conditions. Please call for the most up-to-date rates. Rates have been projected by the Board of Directors based on a forecast of income and available funds to declare a dividend.
*Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts.
**Minimum certificate deposit is $500.00. Certain penalties apply if funds are withdrawn prior to certificate maturity.