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

Introduction

Welcome to Niagara's Choice, your trusted partner in financial well-being, located at 3577 Niagara Falls Blvd, North Tonawanda, NY 14120. Since our establishment in 1953, we have proudly served our community, fostering strong relationships with our 22,390 members. Our commitment to offering personalized services has helped us grow our total assets to an impressive $251,463,004. At Niagara's Choice, we believe in empowering our members through accessible financial solutions tailored to their needs. With a robust portfolio of 9,284 loans and leases and total deposits exceeding $10,530,283, we are well-equipped to support your dreams be it purchasing a new car or securing a home loan. Our dedicated team of 58 employees, led by CEO Daniel Keleher and Board President Margo Hall, is here to ensure that you receive the best service possible. While members can visit us at our branch for face-to-face assistance, official correspondence should be directed to the same address: 3577 Niagara Falls Blvd, North Tonawanda, NY 14120. We invite you to explore our range of services including personal banking, auto loans, mortgages, and business banking all designed with your success in mind. If you're looking for a credit union that values community impact and member satisfaction as much as you do, look no further than Niagara's Choice. To learn more about how we can help you achieve your financial goals or to become a member today, call us at 716-693-5140 or visit us online at niagaraschoice.org. Your journey towards financial empowerment begins here!

Branch History & Mission

Community-Centric Services

In addition to traditional banking services, Niagara's Choice embraces modern technology with features like online banking and mobile payments. This allows members to manage their finances conveniently from anywhere. We also ensure that our facilities are ADA compliant so that everyone can access our services without barriers. Our drive-thru banking option offers quick service for those on the go, while our shared service center provides additional convenience for members seeking assistance from partner credit unions. We are here not just as a financial institution but as a supportive member of the North Tonawanda community. As you consider your financial future, we invite you to join us at Niagara's Choice. Experience firsthand the benefits of being part of a credit union that truly cares about its members and the community at large. For more information or to become a member today, please contact us at 716-693-5140 or visit our website at niagaraschoice.org. Together, let's build a brighter financial future!

Our Mission

At the core of Niagara's Choice is our mission: to provide exceptional financial services while fostering community support and engagement. We believe that everyone deserves access to quality financial products that cater to their unique needs. Whether it's personal banking services like checking and savings accounts or loans for vehicles and homes, we aim to empower our members with the tools they need to achieve their financial goals. We understand that banking should be more than just transactions; it should be about building relationships and supporting one another. That's why we actively engage in various community outreach initiatives and partnerships designed to uplift those around us. We strive to make a positive impact not only through our financial offerings but also through our commitment to social responsibility.

Branch Location & Accessibility

Comprehensive Banking Services

At our North Tonawanda branch, you'll find more than just friendly faces; we offer a wide range of services tailored to meet your financial needs. Enjoy the convenience of ATM access and drive-thru banking for quick transactions like deposits and withdrawals. Plus, if you're a member of another participating credit union, take advantage of our shared service center for deposits and withdrawals. If you have any questions or need assistance, don't hesitate to give us a call at 716-693-5140. Our dedicated team is always ready to help! So why wait? Stop by Niagara's Choice today we look forward to welcoming you into our community!

Easy Access and Amenities

At Niagara's Choice, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. With ample parking available, you won't have to worry about finding a spot when you come in for a visit.

Operating Hours That Fit Your Schedule

We know life can get busy, which is why our operating hours are designed to accommodate your schedule. Join us Monday through Friday from 8:30 AM to 5:00 PM, and on Saturday from 8:30 AM to 12:00 PM. Whether you need to make a quick deposit or discuss your financial goals with one of our team members, we're here when you need us.

Member Eligibility

Becoming a member of Niagara's Choice is like joining a friendly neighborhood where everyone looks out for each other. If you're interested in banking with us, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in Niagara County. We believe that everyone deserves access to financial services that help them thrive. Plus, as a member of Niagara's Choice, you gain more than just a bank account; you become part of a community dedicated to supporting your financial journey. If you'd like to explore the membership criteria further or check for any updates, feel free to visit our website at https://niagaraschoice.org/services/become-a-member/ . When you're ready to take the next step and open an account, the process is straightforward and welcoming. You can start your application online by visiting this link or give us a call at 716-693-5140 for any questions. Join us today at 3577 Niagara Falls Blvd, North Tonawanda, NY 14120!

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 $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

In addition to loans, we offer merchant services tailored for your needs. Imagine having a secure way to accept payments from customers whether in-store or online making every transaction smooth and hassle-free. Our services help you focus on what you do best: running your business. Located at 3577 Niagara Falls Blvd, North Tonawanda, NY 14120, we invite you to visit us or call 716-693-5140 to explore how our business banking and commercial services can work for you. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Additional Services

We also recognize that sometimes you need a little extra help. Our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for those busy days when time is of the essence. If you're a member of a partner credit union, our shared branch transactions make it easy for you to access your funds as well. Our branch at 3577 Niagara Falls Blvd, North Tonawanda, NY 14120 is designed with your convenience in mind. You can reach us at 716-693-5140 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.

Business Banking Solutions

For our local business owners, we understand the importance of having reliable banking support. That's why we provide comprehensive merchant services and business loans designed to help your business thrive. Whether you're just starting out or looking to expand, Niagara's Choice is here to support your entrepreneurial journey.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, all it takes is a few taps on your smartphone or clicks on your computer. Our ATM services ensure that cash withdrawals are quick and easy whenever you need them.

Join Us Today!

At Niagara's Choice, we're more than just a credit union; we're a part of this community. Discover how our array of services can empower you financially by visiting us or exploring more online at niagaraschoice.org. We invite you to become a member today!

Personal Banking Services

For individuals seeking to manage their finances effectively, we offer checking and savings accounts tailored to your lifestyle. Imagine starting your day knowing that your funds are secure and easily accessible. With our auto loans and vehicle financing, you can drive away in the car of your dreams without breaking the bank. We also provide mortgage loans and refinancing options to help you find a comfortable home while keeping your budget in check. If life throws you some financial challenges, our personal loans and debt consolidation services can assist you in regaining control over your finances. Plus, our credit cards with rewards make every purchase more rewarding, turning everyday expenses into opportunities for savings or exciting rewards.

Digital & Online Banking

A Secure Banking Experience

Security is our top priority at Niagara's Choice. We use advanced technology to protect your information while giving you peace of mind when banking online. Enjoy real-time account management with ease and confidence. Our digital banking services are tailored for everyone whether you're tech-savvy or just getting started. Join us today at https://niagaraschoice.org/ and experience banking that works for you!

Key Features for Your Convenience

You can enjoy features like electronic signature authorization, making it easy to sign documents securely without the hassle of printing and scanning. Plus, with e-statements available, you'll receive your account statements electronically, saving trees and keeping your information organized. Need to send money to a friend? No problem! With our person-to-person transfer option, sending cash has never been easier. Just a few taps on your mobile device and it's done! Speaking of mobile devices, our mobile application is designed for those on the go. Access all your banking needs right from your phone. And yes, if you're into mobile payments, we've got you covered too! You can make quick payments securely without needing to dig out your wallet.

Financial Strength

A Dedicated Team

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, committed team. Total Share Accounts stand at 40,873, showcasing 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 3577 Niagara Falls Blvd North Tonawanda NY 14120 or call 716-693-5140 to learn more about how we can help you achieve your financial goals.

A Solid Foundation

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.

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.

Reinvesting for 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. This commitment to growth means more opportunities for you as we work tirelessly to provide the best possible services.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $21,481,082 in used auto loans and a total of $146,729,872 in loans and leases. Our operational efficiency is reflected in our $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members.

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 flexible terms and competitive interest rates that can fit any budget. Plus, if you're considering refinancing your current auto loan, we can help you explore options that may save you money each month.

Business Financing

For business owners in our community, our outstanding commercial loans totaling $1,725,677 provide the capital needed to grow and expand your business. We understand that every business has different needs; that's why we tailor our lending solutions to suit various business models and objectives. At Niagara's Choice located at 3577 Niagara Falls Blvd, North Tonawanda NY 14120, we pride ourselves on transparency and exceptional customer service. If you're interested in learning more about any of our loan offerings or exploring eligibility options, please give us a call at 716-693-5140. Our friendly staff is ready to assist you Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 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. Join us today and take control of your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $18,560,383, ensuring you have access to the funds needed for your dream home. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

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. This option provides an easy way to cover unexpected expenses or consolidate existing debt without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This commitment to transparency means you can trust the information you see on LendMesh. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You won't find hidden agendas or questionable practices here; just straightforward comparisons. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature enables you to see current offers and make decisions based on the latest data available. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "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 people save money and time. 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.

Ensuring Accurate Loan 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 ), ensuring fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that users receive accurate information about available loan options.

NIAGARA'S CHOICE FEDERAL CREDIT UNION - North Tonawanda, NY