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

Introduction

Welcome to Niagara's Choice, your trusted community credit union located at 900 Main St, Niagara Falls, NY 14301. Established in 1953, we have been dedicated to serving our members and fostering financial well-being for over 70 years. With a proud membership of 22,390 and total assets exceeding $251 million, we are committed to making a positive impact in our community while ensuring that our members receive the best financial services possible. At Niagara's Choice, we believe that everyone deserves access to reliable banking solutions tailored to their needs. Our total deposits amounting to $10,530,283 reflect the trust and confidence our members place in us. We offer a wide range of services, including personal banking accounts, auto loans, mortgage options, and business banking services, all designed with you in mind. Led by our dedicated CEO, Daniel Keleher, and Board President, Margo Hall, our team of 58 employees is here to support you every step of the way. Whether you're looking for assistance with loans or seeking guidance on saving for your future, we're just a phone call away at 716-205-0508. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 900 Main St, Niagara Falls, NY 14301. Join us today and experience the difference a member-focused credit union can make in your financial journey! For more information about our services or to become a member, visit us online at Niagara's Choice. We're excited to help you achieve your financial goals!

Branch History & Mission

Welcome to Niagara's Choice, a cornerstone of financial support and community engagement in Niagara Falls, NY. Established in 1953, our branch has grown alongside our vibrant community, consistently adapting to meet the needs of our members. From humble beginnings, we have evolved into a trusted credit union with a strong commitment to providing excellent financial services. Located at 900 Main St, Niagara Falls, NY 14301, our branch is easily accessible for members and visitors alike. You can find us near notable landmarks that highlight the beauty and spirit of our city. As we continue to serve our community, we proudly boast a total membership of 22,390 individuals who rely on us for their banking needs. At Niagara's Choice, we believe that financial stability is not just about numbers; it's about people. Our mission is simple yet impactful: to empower our members through accessible financial services while fostering a sense of community. We are dedicated to providing personalized banking experiences that cater to each member's unique situation. Whether it's assisting with personal loans, auto financing, or business banking services, we strive to make your experience straightforward and beneficial. As part of our commitment to innovation and accessibility, we have embraced digital advancements that allow for easier banking from anywhere. With features like online banking and mobile payments available, managing your finances has never been more convenient. We also ensure that everyone can access our services by maintaining ADA compliance across all platforms. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to visit us during your busy week. We offer an ATM on-site for quick transactions and drive-thru banking for those who prefer not to leave their vehicles. Additionally, as a shared service center, we partner with other credit unions to broaden the range of services available to our members. While members can visit us at 900 Main St, official correspondence should be sent to the same address if needed. Our team is always ready to assist you with any inquiries or concerns feel free to reach us at 716-205-0508. As we look toward the future, we remain committed to enhancing the lives of those in our community. Join Niagara's Choice today and become part of a family that prioritizes your financial well-being and invests in the local community's growth. Experience firsthand how we can help you achieve your goals together!

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 716-205-0508 for more information about our services or just drop by the branch we'd love to see you! While members can visit us at 900 Main St, official correspondence should be sent to the same address. Come discover how we can help make your financial journey easier today!

Nearby Landmarks and Accessibility

Situated just a stone's throw away from local favorites like the iconic Niagara Falls State Park, our branch is nestled in a vibrant area that's both inviting and bustling. We prioritize accessibility, with ADA-compliant features that ensure everyone can easily navigate our space. Plus, ample parking is available nearby, so you can park with ease when you visit us.

Operating Hours and Services

We're here to serve you Monday through Friday from 9:00 AM to 5:00 PM, offering a range of services designed to meet your financial needs. From checking and savings accounts to auto loans, mortgages, and personal loans, our knowledgeable staff is ready to assist you with any questions you may have. Need to make a quick deposit or withdrawal? Enjoy the convenience of our drive-thru banking service or visit our shared service center for transactions if you're a member of one of our partner credit unions.

Member Eligibility

Becoming a member of Niagara's Choice is like joining a caring community that looks out for each other. If you're interested in joining, you'll find that eligibility is quite welcoming! Generally, individuals who live, work, worship, or attend school in the Niagara region can become members. This means that many people can enjoy the benefits of being part of our cooperative, such as better rates on loans and personalized service. To get started, you can check out the full details on eligibility at https://niagaraschoice.org/services/become-a-member/. Opening an account is simple and straightforward. Just visit us online through this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad5sjlp8ryf-xbeh06aunsnmxzbajvu97h8brmluf7xk0ky5lauqslxseg7smnnb93kbel6qud7ymnnzns2k6btc, or feel free to give us a call at (716) 205-0508 if you have any questions. We're here to help make your membership experience as smooth as possible! Remember, becoming a member at Niagara's Choice means joining a family that prioritizes your financial well-being while providing support and guidance every step of the way.

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a partner that simplifies your payment processing so you can focus on what you do best running your business. Our merchant services allow you to accept payments easily, whether it's in-store or online. This means faster transactions and happier customers. Located at 900 Main St Niagara Falls Ny 14301 in Niagara Falls, NY, we're here to help your business thrive every step of the way. Reach out today at (716) 205-0508 to learn more about how we can assist you!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we have robust Business Banking solutions that cater to both small businesses and established enterprises. With Merchant Services & Business Loans, we help ensure that your business runs smoothly and efficiently.

Connect With Us

Whether you're visiting us in person or using our online services, we're here to assist you with all your financial needs. If you have questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out at 716-205-0508 or visit us online at niagaraschoice.org. Explore the diverse range of services available at Niagara's Choice today! Your journey toward better financial management starts here.

Convenient Access Anytime

At Niagara's Choice, convenience is key. Our branch features essential amenities like an ATM for cash withdrawals and balance checks, along with basic drive-thru banking for quick deposits and withdrawals. If you're a member of a partner credit union, you can also take advantage of shared branch transactions right here at our location.

Personal Banking Made Simple

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking services that include checking and savings accounts designed to fit your lifestyle. Imagine having the flexibility to access your money anytime through our Online & Mobile Banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer. If you're planning to buy a new car or refinance an existing loan, our Auto Loans & Vehicle Financing options make it simple and stress-free. We provide competitive rates and flexible terms so you can drive off with confidence. And when it comes to home ownership, our Mortgage Loans & Refinancing services are here to help you every step of the way.

Support for Your Financial Goals

Sometimes life throws unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation options. These loans allow you to manage debt more effectively while keeping your monthly payments manageable. Plus, our Credit Cards with Rewards let you earn points on purchases that can be redeemed for exciting rewards.

Digital & Online Banking

Key Features

We've made it easy to stay on top of your financial life with features like e-statements and electronic signature authorization. You can opt for e-statements, making paperless banking a breeze no more waiting for statements in the mail! Plus, our electronic signature option allows you to sign documents securely from the comfort of your home. If you're always on the go, our mobile application is here to help. With mobile payments enabled, you can pay bills or send money through person-to-person transfers without needing cash or checks. Whether it's grabbing coffee or splitting a bill with friends, it's all just a tap away.

Security You Can Trust

Your security is our top priority at Niagara's Choice. Our online and mobile banking platforms use advanced encryption technology to protect your personal information. We want you to bank confidently, knowing that your data is safe with us. In summary, Niagara's Choice offers a full suite of digital banking services that blend convenience with security. From accessing accounts online to managing transactions through our mobile app, we're here to support you every step of the way as you take charge of your financial journey.

Financial Strength

At Niagara's Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that your trust is built on our ability to maintain a solid financial foundation, which is why we are proud to share some key insights about our financial health. 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. 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. 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 is robust; with $21,148,062 in used auto loans and a total of $146,729,872 in loans and leases available for our members' various financial needs. While our net income stands at $0, it reflects our commitment to investing back into the community rather than focusing solely on profit margins. We are dedicated to maintaining operational efficiency while still offering competitive loan rates and solid financial products for you. We also 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. Total Share Accounts: 40,873, showing a strong and growing member base that trusts us with their finances. 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 900 Main St Niagara Falls NY 14301 or call 716-205-0508 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $34,110,062 in used vehicle loans and $15,217,161 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, so whether you're eyeing the latest model or a reliable pre-owned option, we've got you covered.

Business Financing

For business owners, our outstanding commercial loans totaling $1,725,677 provide the capital needed to grow and expand. We understand the challenges businesses face and work closely with our members to create financing solutions that support their ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,560,383, make buying or refinancing simple. We aim to provide a straightforward process that helps you move into your dream home without unnecessary stress.

Refinancing Options

If you're looking for ways to lower your monthly payments or reduce your interest rates on existing loans, we offer refinancing options across many of our products. This can be a great way to save money while maintaining control over your finances. Feel free to reach out to us at 716-205-0508 or visit us at 900 Main St., Niagara Falls, NY 14301, where our friendly staff is ready to assist you in finding the right loan product for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Niagara's Choice, we're committed to supporting your financial well-being every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,526,466 in loans helping members manage their finances effectively. These credit card options come with rewards and benefits designed to fit your lifestyle and spending habits.

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 compliance guarantees that the loan offers presented are fair and transparent. By relying on verified financial institutions, LendMesh maintains a commitment to accuracy in every comparison it provides.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you see reflects actual rates and terms available to you. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you get genuine comparisons without hidden influences. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare options and make informed decisions about their borrowing needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financial outcomes. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

Niagaras Choice