Encompass Niagara Credit Union Niagara Falls NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Encompass Niagara Federal Credit Union, your trusted partner for financial success since 1934. Located at 2525 Military Rd, Niagara Falls, NY 14304, we have proudly served our community for nearly nine decades, fostering a spirit of cooperation and support among our 3,141 members. With a commitment to providing personalized banking solutions, we understand the unique needs of our members and are dedicated to helping you achieve your financial goals. At Encompass Niagara, we believe in building strong relationships with our members. Our total assets exceed $25,167,896, reflecting our solid foundation and ability to offer competitive products like auto loans, mortgages, and personal loans. With over $2,996,298 in deposits and a net worth of $3,166,890, your money is safe with us. Led by our CEO Alaina Moeller and Board President Stephen Schmitt, our team of 7 employees is here to provide friendly service and expert advice. We offer a range of services including online banking and mobile payments to ensure that managing your finances is as convenient as possible. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 2525 Military Rd, Niagara Falls, NY 14304. We invite you to explore how we can help you today! Whether you're looking for assistance with loans or simply need guidance on your savings options, we're just a phone call away at 716-236-7678. Come be part of a community-focused credit union where you're not just a member you're family!

Branch History & Mission

Community Outreach

Partnerships with local organizations play a vital role in what we do. We actively participate in community outreach initiatives aimed at improving the lives of those around us. Whether it's hosting financial literacy workshops or supporting local charities, we believe that giving back strengthens not only our branch but also the entire Niagara Falls area. In closing, we invite you to join Encompass Niagara Federal Credit Union. Experience firsthand how our dedication to service can help you achieve your financial dreams. Call us today at 716-236-7678 or visit our website at Encompass Niagara to learn more about becoming a member. Together, let's build a stronger community!

Our Evolution

From the moment we opened our doors nearly nine decades ago, our mission has been clear: to provide accessible financial services tailored to the needs of our members while fostering community growth. With total assets amounting to an impressive $25,167,896, we have consistently worked to ensure that our members' financial goals are met with expertise and compassion. As we progressed through the years, we've embraced modern banking practices while maintaining a personal touch. Our operating hours Monday through Friday from 9 AM to 4:30 PM are designed to accommodate your busy lifestyle. With ATM availability on-site, accessing your funds is both convenient and efficient.

Our Mission Statement

At Encompass Niagara, our mission extends beyond mere transactions; it's about building lasting relationships within our community. We are dedicated to providing exceptional personal banking services including checking and savings accounts, auto loans and vehicle financing, mortgage loans, personal loans for debt consolidation, and credit cards with rewards. We strive to enhance your financial journey by offering online and mobile banking options that allow you to manage your finances anytime, anywhere. Additionally, our commitment to ADA compliance ensures that all members can access our services with ease. While members can visit us at 2525 Military Rd, official correspondence should be sent to 2525 Military Rd, Niagara Falls, NY 14304.

Branch Location & Accessibility

Convenient Access and Amenities

Our location not only offers ample parking but also features accessibility options to ensure that everyone can visit us comfortably. If you have any special needs, rest assured that we are ADA compliant with ramps available for your convenience. We know that your time is valuable. That's why we offer convenient operating hours from Monday to Friday, opening at 9 AM and closing at 4:30 PM. Whether you need to discuss your financial goals or require assistance with our services, our team is ready to help you during these hours.

Get in Touch

Have questions? Feel free to reach out to us at 716-236-7678. We're here to guide you on your financial journey and help you make the most of your membership. Come by today and see how we can assist you!

Services Tailored for You

At Encompass Niagara, we provide a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something for everyone. Plus, our ATM is available on-site for quick cash withdrawals and balance checks. While members can visit us at 2525 Military Rd, official correspondence should be sent to the same address since our mailing address is the same as our branch location.

Member Eligibility

At Encompass Niagara, we believe in creating a welcoming community where everyone has the opportunity to thrive. Becoming a member is straightforward and open to individuals who live, work, worship, or attend school in Niagara County. Whether you're looking for great savings options, competitive loan rates, or personalized financial services, our membership can offer you all that and more. For specific eligibility requirements and to ensure you meet the criteria, we invite you to visit our website at encompassniagara.com. Once you've confirmed your eligibility, opening an account with us is just as easy! You can get started by visiting our account opening page at this link. If you have any questions or need assistance along the way, feel free to reach out to us at 716-236-7678. We're here to help you take this exciting step towards better financial health!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, we also support the broader community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer comprehensive merchant services designed to streamline your daily operations. Imagine being able to accept payments seamlessly while managing transactions from anywhere, whether you're at the office or on the go. Our merchant services make it easier for you to focus on what matters most growing your business. Located at 2525 Military Rd Niagara Falls Ny 14304 in Niagara Falls, NY, we invite you to connect with us at (716) 236-7678. Let's work together to take your business to new heights!

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we provide comprehensive Business Banking solutions including merchant services and business loans. No matter if you're starting a new venture or expanding an existing one, we're here with resources tailored just for you.

Call Us Today!

Our dedicated team at Encompass Niagara is eager to support you in achieving your financial goals. For more information about any of our services or to speak with one of our representatives, give us a call at 716-236-7678 during our lobby hours from Monday through Friday between 9 AM and 4:30 PM. Join us today at Encompass Niagara Federal Credit Union; where your financial well-being is our top priority!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Encompass Niagara, we prioritize technology that makes banking easy. With our robust Online & Mobile Banking platforms, accessing your accounts has never been simpler. You can check balances, transfer funds, or pay bills right from your smartphone or computer whenever it suits you. Plus, our ATM & Cash Withdrawal Services ensure that cash is always within reach whether you're at home or on the go.

Debt Management and Credit Options

Life can sometimes lead to unexpected expenses, but you don't have to face them alone. Our Personal Loans & Debt Consolidation services are designed to provide relief when you need it most. This allows you to consolidate your debts into one manageable payment, making it easier for you to regain control of your finances. Additionally, we offer Credit Cards with Rewards, giving you the chance to earn points for every dollar spent perfect for those who love to travel or shop!

Personal Banking Solutions

We offer a variety of personal banking services that cater to your everyday financial needs. Imagine having a checking or savings account that not only keeps your money safe but also helps it grow. With our Personal Banking options, including both checking and savings accounts, you'll have access to tools that make budgeting and saving easier than ever. Are you in the market for a new vehicle? Our Auto Loans & Vehicle Financing can help get you on the road quickly and affordably. We provide competitive rates and flexible terms tailored to fit your budget. If you're thinking about purchasing a home, don't miss out on our Mortgage Loans & Refinancing options which can help you secure the best deal possible.

Digital & Online Banking

Convenient Mobile Features

Our mobile application brings all these services right to your smartphone. Want to make purchases without carrying cash? With our mobile payments feature, it's easier than ever to pay with just a tap. You can also send money to friends or family using our person-to-person transfer service keeping everything hassle-free. At Encompass Niagara, we're committed to making your banking experience as smooth as possible while ensuring that your personal information stays safe. Explore our digital banking options today and discover how easy it is to manage your finances!

Easy Access to Your Accounts

With our online banking platform, accessible through https://encompassniagara.com/ , you can check your balances, transfer funds, and pay bills with just a few clicks. Our services are available 24/7, meaning you can handle your banking needs on your schedule. Whether you're at home or on the go, managing your account is simple and straightforward.

Secure Transactions at Your Fingertips

Your security is our top priority. With features like electronic signature authorization, you can sign documents securely without needing to visit a branch. This makes applying for loans or other services quick and easy. Plus, we offer e-statements so you can view your statements online instead of waiting for them to arrive in the mail no more paper clutter!

Financial Strength

Dedicated Team to Serve You

We also take pride in having 5 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The dedication of our staff plays a crucial role in maintaining the high standards of service that our members have come to expect. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Encompass Niagara is your trusted partner. Visit us at 2525 Military Rd Niagara Falls Ny 14304 or call (716) 236-7678 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $4,102,755 in share certificates and $2,120,557 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,486,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Benefit

With $1,721,457 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our focus is always on enhancing your experience while ensuring your investments grow. Our lending capacity supports members' financial goals across various sectors with $371 in used auto loans and $17,775,833 in total loans and leases. Additionally, our $78,129 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Health

With a net worth of $3,166,890, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation gives you confidence when managing your finances with us. Our net worth ratio of $1,258 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,353,211 in used vehicle loans and $2,607,052 in new vehicle loans already helping members get on the road. We offer flexible terms to suit your budget and make purchasing a vehicle as easy as possible. If you're considering refinancing your current auto loan for better terms or lower payments, we can help with that too!

Credit Lines and Personal Loans

For those who need extra flexibility in managing their finances, we offer credit lines totaling $650,000. These options provide quick access to funds for unexpected expenses or planned purchases without the hassle of applying for multiple loans. Additionally, if you're interested in simplifying debt management or need a personal loan for other purposes, our team can discuss various options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,039,457, making buying or refinancing simple. We know that navigating the housing market can be challenging; that's why our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $632,405 in loans helping members manage their finances effectively. This allows you to make purchases confidently while enjoying rewards and benefits tailored to your spending habits. If you're interested in any of our loan offerings or would like more information about eligibility and application processes, feel free to reach out to us at 716-236-7678 during our lobby hours from Monday through Friday between 9 AM and 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial journey every step of the way!

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers for consumers seeking loans. Each lender featured in our comparisons has been thoroughly vetted, allowing users to trust that they are reviewing legitimate offers.

Key Benefits of Using LendMesh

Verified Data: All loan offers come from recognized financial institutions, ensuring you receive accurate and trustworthy information. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that reflect the best available options for our users. Real-Time Rate Comparisons: Access up-to-date loan rates from multiple institutions to help you make informed decisions about your financial future. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of our service. Take control of your borrowing experience today. Compare real-time loan offers at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ENCOMPASS NIAGARA FEDERAL CREDIT UNION