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iAdvertiser Disclosure
Advertiser Disclosure
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Alliance Niagara Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Alliance Niagara Federal Credit Union's Personal Loan Rates are at 12.25%. MonitorBankRates evaluates the financial stability of Alliance Niagara Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.30%. Rates were last updated on 03/29/2026. Alliance Niagara Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alliance Niagara Federal Credit Union? Share your experience about Alliance Niagara Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alliance Niagara Federal Credit Union. 
Alliance Niagara Federal Credit Union Home Equity & HELOC
Alliance Niagara Federal Credit Union Credit Card Rates
Alliance Niagara Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alliance Niagara Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alliance Niagara Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alliance Niagara Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alliance Niagara Federal Credit Union
Website
http://www.allianceniagara.com
Address
3111 Saunders Settlement Rd,
Sanborn, NY 14132
Phone
716-614-6445
Fax
President
Judy Johnston
CEO
Nancy Sweeney
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.30%
Return on Assets (ROA)
0.3994%
Return on Equity (ROE)
5.0616%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
22,857,271
Total Amount of Shares and Deposits
21,033,398
Total Shares and Deposits < 1 Year
20,791,418
Total Shares and Deposits 1 3 Years
241,980
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
509,484
Total Uninsured Shares and Deposits > $250K (F+J)
509,484
Total Insured Shares and Deposits > $250K (item 17 less item K)
20,523,914
Total Interest Expense (Sum of items 6 8)
183,135
Share Certificates
189
Number of Accounts for Share Drafts
726
IRA KEOGH Accounts
19
Number of Accounts for Regular Shares
1,416
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,532,079
Total Liabilities
21,053,815
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Alliance Niagara Federal Credit UnionIs Alliance Niagara Federal Credit Union a safe place to deposit money?Yes, Alliance Niagara Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.3006250221796%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Alliance Niagara Federal Credit Union operate?Alliance Niagara Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Alliance Niagara Federal Credit Union?Yes, to access services at Alliance Niagara Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Alliance Niagara Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Alliance Niagara Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alliance Niagara Federal Credit Union offer online and mobile banking?Most modern institutions like Alliance Niagara Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.allianceniagara.com. Compare to Other Credit Unions
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