|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Alliance Niagara Federal Credit Union Rates & Review November 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 and Verified: October 30, 2026
Alliance Niagara Federal Credit Union's 12 Month CD rates are at 3.85%, 6 Month CD rates are at 3.75%, 24 Month CD rates are at 3.25%. Alliance Niagara Federal Credit Union's savings rates are at 0.75%. Alliance Niagara Federal Credit Union's Auto Loan Rates are as low as 2.90%. Alliance Niagara Federal Credit Union's Credit Card Rates are at 8.90%. Alliance Niagara Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. 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 7.15%. Rates last updated and verified on 10/30/2026. 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
NCCC - Main office 3111 Saunders Settlement Rd
http://www.allianceniagara.com Sanborn, NY 14132  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alliance Niagara Federal Credit Union CD Rates
Alliance Niagara Federal Credit Union Savings Rates
Alliance Niagara Federal Credit Union Home Equity & HELOC
Alliance Niagara Federal Credit Union Auto Loan Rates
Alliance Niagara Federal Credit Union RV, Boat and Powersport Loan Rates
Alliance Niagara Federal Credit Union Credit Card Rates
Alliance Niagara Federal Credit Union Other Rates
Financial Health HistoryAlliance Niagara Federal Credit Union’s Texas Ratio rose from 3.97% in Q3 2023 to 7.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 (96/100)
Texas Ratio
7.15%
Return on Assets (ROA)
0.2224%
Return on Equity (ROE)
2.8554%
Non-Performing Loans Ratio (NPL)
1.81%
Total Assets
24,086,309
Total Amount of Shares and Deposits
22,194,412
Total Shares and Deposits < 1 Year
22,100,419
Total Shares and Deposits 1 3 Years
93,991
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
685,381
Total Uninsured Shares and Deposits > $250K (F+J)
685,381
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,509,031
Total Interest Expense (Sum of items 6 8)
135,041
Share Certificates
201
Number of Accounts for Share Drafts
724
IRA KEOGH Accounts
19
Number of Accounts for Regular Shares
1,392
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,464,954
Total Liabilities
22,209,906
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Alliance Niagara Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Alliance Niagara Federal Credit Union
Frequently Asked Questions About Alliance Niagara Federal Credit UnionDoes Alliance Niagara Federal Credit Union offer CDs?Yes. Alliance Niagara Federal Credit Union current CD rates include its 12 Month CD at 3.85% APY, its 6 Month CD at 3.75% APY and its 24 Month CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Alliance Niagara Federal Credit Union NCUA insured?Yes. Alliance Niagara Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Alliance Niagara Federal Credit Union?The highest Alliance Niagara Federal Credit Union CD rate is its 12 Month CD at 3.85% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Alliance Niagara Federal Credit Union offer?Alliance Niagara Federal Credit Union CD rates are 3.75% APY for a 6 month CD, 3.85% APY for a 12 month CD and 3.25% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Alliance Niagara Federal Credit Union for its full lineup. What is the highest savings rate at Alliance Niagara Federal Credit Union?The highest Alliance Niagara Federal Credit Union savings rate is its Special Savings at 0.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Alliance Niagara Federal Credit Union?The lowest Alliance Niagara Federal Credit Union auto loan rate is its New Cars Loan at 2.90% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Alliance Niagara Federal Credit Union?The lowest Alliance Niagara Federal Credit Union credit card APR is its Credit Card at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Alliance Niagara Federal Credit Union rates compare?Alliance Niagara Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. Alliance Niagara Federal Credit Union's top rates are its 12 Month CD at 3.85% APY, its Special Savings at 0.75% APY, its New Cars Loan at 2.90% APR and its Credit Card at 8.90% APR, verified by MonitorBankRates on October 30, 2026. Current Alliance Niagara Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Catholics United Credit Union
Members 1st Credit Union Saint Louis, MO
Elevate Federal Credit Union
Circuit Federal Credit Union
Democracy Federal Credit Union
Lonza Federal Credit Union
44 North Credit Union
Greater Chautauqua Credit Union
Pacific Cascade Federal Credit Union
WesTex Community Credit Union
Navarro Credit Union
Pawtucket Municipal Employees Federal Credit Union
Weatherhead Federal Credit Union
College And University Credit Union
Kone Employees Credit Union
C-Plant Federal Credit Union
Oahe Credit Union
Fort Community Credit Union
Afgm Enterprises Federal Credit Union
P.C. Federal Credit Union
New Life Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
