Niagara's Choice Credit Union Lockport NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Niagara's Choice, your trusted financial partner located at 260 West Ave, Lockport, NY 14094. Established in 1953, we have proudly served our community for decades, growing alongside our members. With a total membership of 22,390, our focus is on providing personalized financial solutions that meet your unique needs. At Niagara's Choice, we understand the importance of financial stability and growth. Our total assets stand at an impressive $251,463,004, ensuring that we have the resources to support you with everything from personal banking to business loans. Whether you're looking for an auto loan or a savings account, we've got you covered with over 9,284 loans and leases issued to date. Under the leadership of our dedicated CEO, Daniel Keleher, and Board President Margo Hall, we strive to create a welcoming environment where you feel valued and understood. Our team of 58 employees is here to assist you with any inquiries or financial goals you may have. For your convenience, our branch offers various services including online and mobile banking options, ATM access, and drive-thru services. You can reach us at 716-434-4180 for any questions or assistance during our operating hours: Monday to Friday from 8:30 AM to 5:00 PM and Saturday for drive-thru service from 8:30 AM to 12:00 PM. While members can visit us at our Lockport location, official correspondence should be sent to the same address: 260 West Ave, Lockport, NY 14094. We invite you to explore how Niagara's Choice can help enhance your financial journey. Visit our website at niagaraschoice.org today!

Branch History & Mission

Community Engagement

Our outreach efforts include educational programs and workshops designed to empower members with knowledge about personal finance. Whether it's budgeting tips or understanding credit scores, we strive to provide valuable resources that make a difference in people's lives. As technology evolves, so do we. Our digital platforms allow members to bank online or through mobile applications easily. Features like electronic signatures and e-statements simplify transactions while ensuring security and accessibility. We invite you to become part of the Niagara's Choice family! Join us today and discover how we can help you achieve your financial dreams while supporting your community every step of the way. For more information about membership or services, please call us at 716-434-4180 or visit our website. Together, let's build a brighter financial future!

Our Mission

At Niagara's Choice, our mission is simple yet powerful: we aim to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to affordable financial solutions and personalized service. This commitment extends beyond banking; we actively participate in local initiatives and partnerships that benefit the community. Our members can easily access services through our drive-thru banking and ATM facilities, available for their convenience. We also offer shared service center access, making it easier for our members to manage their finances wherever they may be. While members can visit us at 260 West Ave for all their banking needs, official correspondence should be sent to the same address. Our operating hours are designed with your busy lifestyle in mind: Monday through Friday from 8:30 AM to 5:00 PM and Saturday Drive-Thru ONLY from 8:30 AM to 12:00 PM.

Branch Location & Accessibility

Accessibility Features

At Niagara's Choice, we prioritize accessibility for all our members. Our branch is fully ADA compliant, ensuring that everyone can easily navigate our facilities. We have ample parking available right outside, so you can hop in and out without any hassle.

Operating Hours & Services

Our doors are open Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays, we offer Drive-Thru service from 8:30 AM until noon. Whether you're stopping by for personal banking needs or business inquiries, our team is here to help. We also provide convenient ATM access for quick transactions and basic drive-thru services for deposits and withdrawals. For members who may need additional assistance, we proudly offer shared services with partner credit unions, allowing you to complete transactions even if you're not at your home branch. If you have any questions or would like more information about our services, feel free to give us a call at 716-434-4180. We invite you to visit us soon and discover how we can help you achieve your financial goals!

Member Eligibility

Joining Niagara's Choice means becoming part of a welcoming community where your financial well-being is our priority. To become a member, you simply need to meet some straightforward eligibility criteria. If you live, work, worship, or attend school in Niagara County, you're already on the right path! We also welcome immediate family members of current members and those associated with certain organizations. This inclusive approach ensures that more people can benefit from our member-focused services. You can find the full details on eligibility at this link. Opening an account is easy! Just visit us at 260 West Ave, Lockport, NY 14094, or reach out to us by phone at 716-434-4180 for any questions. We're here to help you every step of the way as you start enjoying the advantages of being part of Niagara's Choice. Whether it's great rates on loans or personalized service that truly cares about your needs, we look forward to welcoming you into our family! If you're ready to take the next step, check out our account opening process here.

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,725,677, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Managing daily transactions shouldn't be a hassle. Our merchant services simplify payment processing so you can focus on what matters most running your business. Imagine being able to accept payments from anywhere, whether it's at your brick-and-mortar store or online. Our services ensure that you have reliable tools at your fingertips to keep your cash flow steady. Ready to elevate your business? Visit us at 260 West Ave, Lockport, NY 14094, or call us at 716-434-4180 to learn how we can support your journey!

Comprehensive List Of Services

Convenient Access to Your Accounts

We know convenience matters. At Niagara's Choice, enjoy access to our ATM services for cash withdrawals and balance checks without hassle. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. Need assistance? Our shared branch transactions make it simple for members of partner credit unions to conduct essential banking tasks right here with us.

Financial Support When You Need It

Life can be unpredictable. That's why we offer personal loans and debt consolidation options to help you manage unexpected expenses or streamline your financial obligations. And if you're looking for rewards while spending, check out our credit cards that come with great perks. For our business members, we provide comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your journey.

Join Us Today!

With all these services available at your fingertips, managing your finances has never been easier. If you're interested in becoming a member or learning more about what Niagara's Choice can do for you, give us a call at 716-434-4180 or visit us online at niagaraschoice.org. We're excited to welcome you into our community!

Personal Banking Solutions

We understand that personal banking is about more than just numbers; it's about your lifestyle and goals. That's why we offer checking and savings accounts that fit your needs perfectly. Our accounts come with user-friendly online and mobile banking options, making it easy for you to check balances, transfer funds, and pay bills from anywhere. If you're dreaming of a new vehicle, consider our auto loans and vehicle financing options. We work closely with you to ensure competitive rates that align with your budget. For those ready to invest in a home or refinance their current mortgage, our mortgage loans are tailored just for you.

Digital & Online Banking

Key Features

Stay on top of your finances with our e-statements feature. You can go paperless and access your account statements anytime, which is not only convenient but also environmentally friendly. If you're always on the move, our mobile application makes banking even simpler. You can manage your accounts right from your smartphone, whether you're at home or out and about. For those who like to make quick transactions, our person-to-person transfers let you send money directly to friends or family instantly perfect for splitting a bill or sending a gift! And if you enjoy using digital wallets, you'll be pleased to know that we support mobile payments as well. At Niagara's Choice, we prioritize your security while providing user-friendly features that make managing your finances effortless. Whether you need help with everyday transactions or want to explore all our digital offerings, we're here to ensure you have the best banking experience possible. Enjoy the freedom of real-time account management at your fingertips!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Niagara's Choice is your trusted partner. Visit us at 260 West Ave Lockport NY 14094 or call 716-434-4180 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our $0 net income reflects our commitment to operational efficiency as we focus on supporting our members with valuable products. We take pride in having 55 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. The total number of share accounts stands at 40,873, showing a strong and growing member base that trusts us with their finances.

Investing Back in You

With $20,937,367 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $21,148,062 in used auto loans and a total of $146,729,872 across all loans and leases.

Member-Centric Savings

Members' savings are secured through $567,519 in share certificates and $5,362,809 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $8,363,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Position

With a net worth of $25,897,697, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.27% 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

At Niagara's Choice, we understand that everyone has unique financial needs. Whether you're looking to buy a car, purchase a home, or need some extra cash for personal expenses, we've got loan products designed just for you. Our commitment to serving the community is evident in our extensive offerings. With over 9284 loans issued, we've helped thousands of members achieve their financial goals. If you're thinking about purchasing a vehicle, our auto loans provide some of the lowest rates in the industry. We have already issued $34,110,062 in used vehicle loans and $15,217,161 in new vehicle loans, helping members get on the road with confidence. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $18,560,383, making buying or refinancing simple and accessible. For those in need of flexible spending options, we also offer unsecured credit card loans with a total of $9,526,466 helping members manage their finances effectively. These cards come with competitive rates and terms designed to fit your lifestyle. If you're a business owner looking to expand or invest in your operations, our outstanding commercial loans totaling $1,725,677 provide the capital needed to grow your business. At Niagara's Choice, we believe that financing should be straightforward. We offer refinancing options for many of our loans to help you save money and make your payments more manageable. To learn more about eligibility or to start your application process, feel free to reach out to us at 716-434-4180 or visit us at 260 West Ave Lockport NY 14094. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

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Niagaras Choice