Niagara's Choice


3619 Packard Rd
Niagara Falls, NY 14303
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.66% →
1-Year CD 0.10% 0.67% →
2-Year CD 0.10% 0.75% →
5-Year CD 0.75% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Niagara's Choice is an NCUA insured institution located in Niagara Falls, NY. It was founded in 1953 and has approximately $231.12 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8693
Date Established 1953
Assets $231.12 million
Loans $126.87 million
Deposits $207.46 million
Capital $21.12 million

Field of Membership Restrictions

Membership is open to all persons who live, work, worship or attend school in Niagara County.

Deposit Rates - April 16, 2021

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.10% $10,000 $14,999 Learn More
24 Mo CD
0.10% $100,000 $199,999 Learn More
36 Mo CD
0.25% $10,000 $14,999 Learn More
36 Mo CD
0.25% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Loan Rates - April 16, 2021

Your Current Location: Washington, WA 98101

There are currently no loan rates available for NIAGARA'S CHOICE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Niagara's Choice branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Niagara's Choice Locations

Financial Details

Niagara's Choice Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Niagara's Choice. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Niagara's Choice U.S. Average
5.12% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Niagara's Choice had $1,101,471 in non-current loans and $53,098 in owned assets. To cover these potential losses it had $21,115,598 in net worth and $1,423,085 in loans loss reserves. That gives it a Texas Ratio of 5.12%.

Net Worth
Niagara's Choice U.S. Average
9.13% 12.67%

Niagara's Choice FCU has a net worth of 9.13% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Niagara's Choice

Branches and Savings

What is Niagara's Choice?

A federal credit union, registered with the NCUA under certificate #8693.
Learn more about credit unions here.

Is Niagara's Choice FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Niagara's Choice is insured by the NCUA.

Who can join Niagara's Choice?

Please see Field of Membership information above for information on who is eligible to join.

What are Niagara's Choice's share account and share certificate rates?

Niagara's Choice's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Niagara's Choice?

Niagara's Choice has total capital of $21.12 million. Full information on Niagara's Choice's financial position is located above.

Who owns Niagara's Choice?

Credit Unions are owned by their members.

Where are Niagara's Choice branches located?

See branch locations nearby.

Are Niagara's Choice ATMs Open 24/7?

Do Niagara's Choice ATMs accept cash deposits?

Can Niagara's Choice customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Niagara's Choice have a mobile app?

Does Niagara's Choice have mobile deposit?

Does Niagara's Choice have quick pay?

How can Niagara's Choice transfer money to other banks or credit unions?

Does Niagara's Choice report to credit bureaus?

Does Niagara's Choice use Chexsystems?

Does Niagara's Choice use Equifax?

What is Niagara's Choice's toll free phone number?

What is Niagara's Choice's ACH Routing Number?

What is Niagara's Choice's SWIFT code?

Where can I find Niagara's Choice's wire transfer form?

What is the Niagara's Choice address for deposits?

What Products Does Niagara's Choice Offer

Does Niagara's Choice offer mortgages?

Compare mortgage rates here.

Does Niagara's Choice offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Niagara's Choice offer auto and RV loans?

Compare auto loan rates here.

Does Niagara's Choice offer student loans or personal loans?

Compare personal loan rates here.

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