Niagara's Choice CU Niagara Falls NY | Best Auto Loans & Business Banking

Introduction

Welcome to Niagara's Choice, your trusted financial partner located at 2131 Sawyer Dr, Niagara Falls, NY 14304. Established in 1953, we take pride in serving our community and providing our members with a range of personalized banking services. With a robust membership base of 22,390 individuals, we are dedicated to meeting your financial needs with care and expertise. At Niagara's Choice, our commitment to excellence is reflected in our impressive total assets of $251,463,004 and total deposits reaching $10,530,283. Our focus on member satisfaction has allowed us to build strong relationships within the community while offering competitive loan options that currently total 9,284 loans and leases. Led by our experienced CEO, Daniel Keleher, and Board President, Margo Hall, our team of 58 employees is here to assist you with everything from checking and savings accounts to auto financing and business loans. We understand that your financial journey is unique, which is why we strive to provide tailored solutions that fit your lifestyle. While members can visit us at our branch location for personal service, official correspondence should be directed to the same address: 2131 Sawyer Dr, Niagara Falls, NY 14304. If you need assistance or have questions about our services, feel free to reach out via phone at 716-923-1466. Join us today at Niagara's Choice and experience the difference of being part of a credit union that truly values its members. Visit our website at niagaraschoice.org for more information about how we can help you achieve your financial goals!

Branch History & Mission

Niagara's Choice has been a trusted partner in the Niagara Falls community since it first opened its doors in 1953. With a rich history spanning over seven decades, we have grown alongside our members and adapted to their ever-changing financial needs. Our branch, located at 2131 Sawyer Dr, Niagara Falls, NY 14304, has become a cornerstone of the community, where personal service meets progressive financial solutions. From humble beginnings, Niagara's Choice has evolved into a vital institution with over 22,390 members and total assets exceeding $251 million. We are proud to provide a range of services that include personal banking, auto loans, mortgages, business banking, and convenient online and mobile banking options. Our commitment to our members is unwavering; we strive to empower individuals and families by offering them the tools they need for financial success. Our mission is clear: to enhance the lives of our members and strengthen our community through comprehensive financial services and education. At Niagara's Choice, we believe in the power of collaboration and giving back. We actively engage in local outreach programs and partnerships that support economic growth and well-being throughout Niagara Falls. In addition to our traditional services, we have embraced modern technology to ensure that our members can access their accounts anytime, anywhere. Our digital advancements include mobile payments and online banking features designed for ease of use. We also maintain ADA compliance to make sure everyone can benefit from our services. While you can visit us at our branch on Sawyer Drive, official correspondence should be sent to the same address for your convenience. For those who prefer drive-thru banking or need access to an ATM, we are pleased to offer both options at our location. As we look toward the future, we invite you to become part of the Niagara's Choice family. Join us in shaping a brighter financial future for yourself and your community. Experience the benefits of membership today by visiting our website or calling us at 716-923-1466. Together, let's build a stronger tomorrow!

Branch Location & Accessibility

Accessibility Features

At Niagara's Choice, we prioritize your comfort and convenience. Our branch is fully ADA compliant, ensuring that everyone can easily navigate our space. Parking is ample and accessible, making it hassle-free for you to stop by whether you're driving through or taking a leisurely stroll.

Operating Hours & Services

We understand that life gets busy! That's why we're open Monday through Friday from 8:30 AM to 5:00 PM. Whether you need assistance with checking and savings accounts, auto loans, or even mortgage refinancing, our team is ready to help. Plus, we offer essential services such as ATM access and drive-thru banking for quick transactions without leaving your car. If you're looking for shared services with partner credit unions, we've got that covered too! You can handle deposits and withdrawals seamlessly with us. While members can visit us at 2131 Sawyer Dr, official correspondence should be sent to the same address since it also serves as our mailing location. If you have questions or need assistance before visiting, feel free to call us at 716-923-1466. We invite you to stop by and experience the difference at Niagara's Choice. We can't wait to welcome you!

Member Eligibility

At Niagara's Choice, we believe that everyone deserves access to a supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Niagara County, you're already eligible to join us. We also welcome immediate family members of current members, creating a network that feels like home. Joining Niagara's Choice not only opens the door to a range of financial services tailored to your needs but also provides you with the advantage of being part of a cooperative where your voice matters. Ready to take the next step? Opening an account is straightforward! You can find all the details about eligibility and how to get started on our website at niagaraschoice.org. If you have any questions or need assistance, don't hesitate to give us a call at 716-923-1466. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine being able to process payments quickly and efficiently while keeping track of your sales all without the hassle. Our merchant services simplify transactions for your business, allowing you to focus on what truly matters: serving your customers. With tools tailored for various industries, you can accept payments anywhere, anytime, ensuring you never miss a sale. Visit us at 2131 Sawyer Dr Niagara Falls Ny 14304, Niagara Falls, NY, or call us at (716) 923-1466 to learn how we can help your business thrive!

Supporting Your 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

Accessibility

With an ATM available at our location and shared service center access nearby, getting cash or conducting transactions is straightforward and efficient. At Niagara's Choice, we pride ourselves on being more than just a credit union; we're a supportive community resource focused on helping you achieve your financial aspirations. If you're ready to explore all these great services or if you have any questions, don't hesitate to reach out! Call us at 716-923-1466 or visit us during lobby hours from Monday to Friday between 8:30 AM and 5:00 PM. Explore what Niagara's Choice can do for you today! Visit us online at niagaraschoice.org for more information or to get started on your journey toward financial wellness!

Business Banking

For our business members, we offer comprehensive Business Banking services, including Merchant Services & Business Loans. We know how important it is for businesses to have reliable banking options that support growth and efficiency.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards program! You can earn points on every purchase, which can be redeemed for exciting rewards, making every transaction more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Niagara's Choice, we embrace technology with our robust Online & Mobile Banking platforms. Whether you're checking your balance or transferring funds on the go, everything is just a tap away. Plus, with features like ATM & Cash Withdrawal Services, accessing your money has never been easier.

Drive-Thru and Shared Services

If you prefer face-to-face interactions but want to save time, take advantage of our Basic Drive-Thru Banking for quick deposits and withdrawals without leaving your vehicle. We also provide Basic Shared Branch Transactions, allowing members of partner credit unions to perform simple transactions like deposits and withdrawals seamlessly.

Personal Banking

We understand that managing your personal finances can sometimes be overwhelming. That's why we offer Checking & Savings Accounts that are designed to suit various lifestyles and financial goals. Our accounts come with features that make saving easy and accessible. Additionally, if you're considering a new vehicle, our Auto Loans & Vehicle Financing options provide flexible terms to help you drive away in the car of your dreams without breaking the bank. Thinking about buying a home? Our Mortgage Loans & Refinancing services can guide you through the process, making homeownership more attainable. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options are here to assist you in regaining control over your financial situation.

Digital & Online Banking

Accessibility and Ease of Use

We know that life can get busy. That's why our digital banking services are designed to be user-friendly and accessible. No matter where you are or what time it is, you have the tools you need to manage your money effectively. Join us at Niagara's Choice and experience the convenience of modern banking today!

Key Features of Our Digital Banking Services

Our online banking platform is available 24/7, providing you with real-time access to your accounts. Whether you're checking your balance or making transfers, everything you need is right at your fingertips. You can enjoy hassle-free person-to-person transfers, making it easy to send money to friends and family instantly. Security is a top priority for us. We use electronic signature authorization for transactions, ensuring that your information stays safe and sound. Plus, if you prefer to go paperless, e-statements are readily available, giving you an eco-friendly way to keep track of your finances. For those who are always on the go, our mobile application makes banking even easier. With features like mobile payments, managing your accounts has never been more straightforward. You can pay bills or make purchases directly from your phone without any fuss.

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 pride ourselves on maintaining a strong foundation that supports our community's financial needs. 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 and stronger lending options to serve our members better. Our lending capacity is robust with $21,148 in used auto loans and a total of $146,729,872 in loans and leases, supporting members' financial goals across various sectors. While our current net income stands at $0 for the reporting period, this reflects our commitment to investing back into the credit union to improve services for our members. 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 team. Our overall assets amount to $251,463,004, which showcases our capability to support your financial journey effectively. Additionally, the total number of share accounts is an impressive 40,873, reflecting a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 2131 Sawyer Dr Niagara Falls NY 14304 or call 716-923-1466 to learn more about how we can help you achieve your financial goals.

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 vehicle or a reliable used one, we provide straightforward solutions that make it easier for you to drive away with confidence.

Credit Lines and Other Loans

For those who need additional flexibility in managing finances or planning for future expenses, our total credit lines amount to $24,236,678. These lines can serve as a safety net for unexpected costs or planned expenditures. If you're interested in any of these products or would like more information about refinancing options available at Niagara's Choice, please reach out to us at 716-923-1466. Our team is ready to assist you during our operating hours from Monday through Friday between 8:30 AM and 5:00 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 invite you to explore how our diverse loan offerings can help you navigate your financial path today!

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 also offer refinancing options for current homeowners looking to adjust their mortgage terms for better savings.

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 cards can be an excellent way to build credit while providing you access to funds when needed without requiring collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, allowing users to make informed choices without hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, ensuring you have the most current information at your fingertips. 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 kind of feedback highlights the real-world impact of using a reliable comparison tool. 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