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Insurance

Insurance

  • Home & Auto
  • Accidental Death & Dismemberment
  • Life
  • Credit Life & Credit Disability

Home & Auto

Niagara’s Choice FCU and the EMS Group have partnered together to bring you not only insurance products with potential cost savings, but valuable information as well. Our Niagara’s Choice home and auto insurance agent is Scott Medole from the Emerling Agency. He would be happy to meet with you to determine whether you are paying too much for your existing coverage and show you different options. You can schedule an appointment to meet with him according to your schedule, including appointments right at your home.

The EMS Group provides FREE quotes on home and auto insurance and is solely responsible for the products it represents.

Call Scott directly at (716) 631-0190 or email him: [email protected] 

Accidental Death & Dismemberment

Accidental death & dismemberment insurance is available to our members. See below for our “AD&D” coverage.

  • Every NCFCU member is covered, at no cost, with “AD&D” coverage up to $2,000 from Affinion Group. Additional coverage is available at a cost.
  • Every NCFCU member is also covered with $4,000 of “AD&D” insurance from NILCO (National Life Insurance Company). Spouses are covered up to $500 and $250 for each child.

Life

TruStage Insurance: Simple, Straightforward, Designed to Fit your budget.

Life insurance can help give you peace of mind today and provide income-tax free money for your family if you die. I can ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.

Credit Life & Credit Disability

Niagara’s Choice offers Credit Life & Credit Disability insurance to our members. Credit insurance may help ease the financial burden of your loan obligation in the event of an unexpected life event, injury or illness.

  • Credit Life Insurance: Is designed to help reduce or pay your eligible loan balance, up to the policy maximum, should an unexpected life event occur.
  • Credit Disability Insurance: May make your loan payment, up to the policy maximum, if you become totally disabled due to a covered injury or illness.

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL-1537510.1-0616-0718

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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

  • Mon, Wed, Thurs: 7:30am - 3:00pm
  • Tues, Fri: 6:30am - 2:00pm
  • 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 - Wednesday: 8:30am - 5:00pm
  • Thursday - Friday: 8:30am - 5:30pm
  • 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) 693-5140
Fax: (716) 923-1467
Telephone Banking System:
(716) 284-4110 Opt. 4

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

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

Phone: (716) 693-5140
Fax: (716) 693-5183
Telephone Banking System:
(716) 284-4110 Opt. 4

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

Lockport Branch
260 West Avenue
Lockport, NY 14094

Phone: (716) 434-4180
Fax: (716) 434-1127
Telephone Banking System:
(716) 284-4110 Opt. 4

  • Monday - Wednesday: 8:30am - 5:00pm
  • Thursday - Friday: 8:30am - 5:30pm
  • Saturday: 8:30am - 12:00pm
Get Directions | More Information
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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)
      • Youth
    • 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
  • Resources
    • FAQ
    • Funds Availability
    • 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