Niagara's Choice Credit Union Niagara Falls NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Niagara's Choice at 3619 Packard Rd, Niagara Falls, NY 14303, where we pride ourselves on being more than just a financial institution. Established in 1953, we've built a community of over 22,390 members who trust us to support their financial journeys. With total assets reaching an impressive $251,463,004, we are dedicated to providing a wide range of services tailored to meet your needs. At Niagara's Choice, we understand that every member is unique. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, our expert team is here to help. Our commitment goes beyond numbers; it's about empowering you to achieve your financial goals. Our leadership team, led by CEO Daniel Keleher and Board President Margo Hall, ensures that our values of trust, reliability, and community service resonate throughout all our operations. We employ 58 dedicated staff members ready to assist you with personalized service and expert advice. While members can visit us at our branch for all banking needs including access to ATMs and drive-thru services official correspondence should be sent to our mailing address: 3619 Packard Rd, Niagara Falls, NY 14303-2224. With a robust portfolio of loans totaling 9,284, combined with total deposits of $10,530,283, we're well-equipped to help you navigate your financial landscape. Our focus on member service has helped us maintain a solid net worth of $25,897,697 and cash in hand amounting to $4,363,734. Ready to take the next step? Give us a call at 716-284-4110 or visit our website at niagaraschoice.org for more information on how we can serve you better. Join us today and experience the difference that comes from being part of a credit union that truly cares!

Branch History & Mission

At Niagara's Choice, we take pride in our rich history and unwavering commitment to the community. Established in 1953, our branch has been a cornerstone of financial support for the residents of Niagara Falls, NY, for decades. Located at 3619 Packard Rd, Niagara Falls, NY 14303, we are easily accessible to our members and their families. Over the years, we have grown to serve a vibrant community of over 22,000 members with total assets reaching an impressive $251,463,004. Our mission is simple yet powerful: to provide exceptional financial services while actively supporting our local community. We believe that when our members thrive, so does the entire community. Our range of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. We also offer convenient online and mobile banking features to ensure that our members can manage their finances anytime and anywhere. As we reflect on our journey from a small local credit union to a trusted financial partner in Niagara Falls, we recognize the importance of adapting to the changing needs of our members. Our commitment extends beyond traditional banking; we focus on enhancing accessibility through digital advancements and ensuring compliance with ADA standards. Our facilities include drive-thru banking for added convenience and shared service centers for easier transactions among partner credit union members. While you can visit us at our main branch for all your banking needs, any official correspondence should be sent to our mailing address at 3619 Packard Rd, Niagara Falls, NY 14303-2224. At Niagara's Choice, we are not just about numbers; we're about people. Our team works tirelessly to engage with community initiatives and build partnerships that uplift those around us. Whether it's sponsoring local events or participating in outreach programs, we aim to make a positive impact in every way possible. We invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and its community. Visit us today or explore more about membership options at Niagara's Choice. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Niagara's Choice, your friendly neighborhood credit union! Located at 3619 Packard Rd in beautiful Niagara Falls, NY, our branch is designed with your convenience in mind. Whether you're stopping by for a quick transaction or looking for personalized financial advice, we're here to help. Our branch is situated near local landmarks that make it easy to find us just a stone's throw away from the scenic views of the Niagara River and close to community favorites. At Niagara's Choice, we pride ourselves on accessibility. Our location features ample parking and is fully ADA-compliant, ensuring that everyone can easily visit us. If you prefer drive-thru banking, we have that too! You can quickly deposit or withdraw cash without leaving your car. Our friendly team is available to assist you during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. We also offer ATM services for those times when you need cash on the go. If you require shared services, you'll be pleased to know we participate in shared branching, allowing members from partner credit unions to access basic transactions right here at our location. While members can visit us at 3619 Packard Rd, official correspondence should be sent to the same address. We encourage you to reach out if you have any questions or need assistance feel free to call us at 716-284-4110. We look forward to welcoming you in and helping you achieve your financial goals!

Member Eligibility

Joining the community at Niagara's Choice is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. To become a member, you'll need to meet some simple eligibility criteria. Generally, if you live, work, worship, or attend school in Niagara County, you're already qualified! We also welcome family members of current members. It's that easy to connect with us and enjoy the many benefits we offer, including competitive loan rates and personalized service. For detailed information on eligibility requirements, feel free to visit our website at https://niagaraschoice.org/services/become-a-member/. When you're ready to take the next step, opening an account with Niagara's Choice is straightforward. You can start the process online or give us a call at (716) 284-4110 for assistance. Our friendly staff will guide you through every step to ensure that your transition into membership is smooth and welcoming. Don't hesitate let's get you started on this exciting journey today!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine running your shop and knowing your transactions are handled smoothly, allowing you more time to focus on what you do best serving your customers. Whether it's accepting card payments or managing cash flow, our services are here to back you up. If you're ready to explore how our business banking solutions can support your goals, visit us at 3619 Packard Rd Niagara Falls Ny 14303 or call us at (716) 284-4110. Let's work together to build a brighter future for your business!

Supporting Business 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.

Comprehensive List Of Services

ATM & Drive-Thru Services

We also offer ATM and cash withdrawal services, so you're never far from accessing your cash when needed. With our basic drive-thru banking options, you can make deposits, withdrawals, or handle simple transactions without leaving the comfort of your car.

Business Banking Services

For our business members, Niagara's Choice offers tailored solutions such as merchant services and business loans. Whether you're just starting out or looking to expand, we have the tools and resources needed to support your entrepreneurial journey.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking features allow you to manage your accounts anytime, anywhere. From transferring funds between accounts to paying bills with just a few clicks, we've made banking easier than ever before.

Credit Options for Every Need

We know that life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation options to help you regain control of your finances. And if you're looking for a rewarding way to manage everyday purchases, check out our credit cards with rewards they're perfect for earning points on things you buy every day!

Personal Banking Solutions

Whether you're looking to open a checking account or save for a special occasion, our personal banking services have got you covered. We offer flexible checking and savings accounts that cater to your daily financial needs. Imagine having easy access to your funds while earning interest on your savings that's what we strive for! If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help get you on the road quickly and affordably. We work with you to find a loan that fits your budget. Plus, if homeownership is in your sights, our mortgage loans and refinancing solutions make it easier than ever to secure your dream home.

Shared Branch Transactions

Additionally, if you're a member of one of our partner credit unions, you can take advantage of shared branch transactions, allowing you to make deposits and withdrawals at various locations with ease. At Niagara's Choice, we're committed to meeting the diverse financial needs of our community members through personalized service and accessible products. We invite you to explore all that we have to offer by visiting us today or checking out our website at niagaraschoice.org. Let us help you take the next step toward achieving your financial dreams!

Digital & Online Banking

Easy Transfers and More

Need to send money to a friend? Our person-to-person transfer service allows you to do this quickly and securely. With these tools at your fingertips, managing your finances has never been easier or more efficient. At Niagara's Choice, we are committed to providing you with modern banking solutions that fit into your lifestyle. Experience the ease of digital banking today!

Key Services

Visit us at https://niagaraschoice.org/ to explore our robust online banking platform. Here, you can easily check your account balances, transfer funds, and pay bills all in one place. Our 24/7 online banking services ensure that you have access to your money whenever you need it. If you're on the go, don't worry! Our mobile application is designed with user-friendliness in mind, so you can manage your accounts right from your smartphone. Plus, with the mobile payments feature, making purchases is as simple as tapping your phone no cash or cards required.

Security Features

Your security is our top priority. We offer electronic signature authorization for added peace of mind when signing documents online. You can also opt for e-statements, which are not only environmentally friendly but also reduce the risk of mail fraud.

Financial Strength

Committed Team Ready to Serve 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 stand at 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 3619 Packard Rd Niagara Falls NY 14303 or call 716-284-4110 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.

Reinvestment for Better Services

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 across various sectors with $14,672,9872 in total loans and leases and $21,148 in used auto loans.

Secure Savings for Members

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 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.

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. Whether you're interested in financing a brand-new model or a reliable used car, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $1,725,677 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or expand your operations, our experienced team will help you find the best financing solutions tailored to your business goals. At Niagara's Choice, we're dedicated to supporting our community by offering transparent loan products that cater to various financial 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. Ready to take the next step? Contact us today at 716-284-4110 or visit us at 3619 Packard Rd, Niagara Falls NY 14303. Our friendly staff is here Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM to assist you with any questions about our loan offerings or how to become a member.

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 provide personalized support throughout your mortgage journey, ensuring you understand all available refinancing options and eligibility criteria.

Unsecured Credit Card Loans

Managing finances can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $9,526,466 in loans helping members effectively manage their finances, our credit cards come with rewards and no hidden fees.

Loan Aggregator

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 that all offers displayed are fair and transparent, allowing users to see a true reflection of available loan options without any hidden agendas.

Key Benefits

- Verified Data: Loan offers come from legitimate financial institutions, which means you can trust the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that empower your decision-making. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed choices quickly and effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimony highlights how LendMesh has made a significant impact on people's financial decisions. Ready to take control of your borrowing options? Compare real-time loan offers today 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.*

Niagaras Choice