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Niagara Frontier Federal Municipal Credit Union

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Niagara Frontier Federal Municipal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Niagara Frontier Federal Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Niagara Frontier Federal Municipal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Niagara Frontier Federal Municipal Credit Union, and you can see how they compare in the Niagara Frontier Federal Municipal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Niagara Frontier Federal Municipal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/29/2026.

Niagara Frontier Federal Municipal 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 Niagara Frontier Federal Municipal Credit Union? Share your experience about Niagara Frontier Federal Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Niagara Frontier Federal Municipal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Niagara Frontier Federal Municipal Credit Union
Niagara Frontier Federal Employees Credit Union

615 Main St
Niagara Falls, NY 14302

https://nffmecu.com

Current Rate Availability

We're not currently displaying rates for Niagara Frontier Federal Municipal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Niagara Frontier Federal Municipal 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 Niagara Frontier Federal Municipal 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 Niagara Frontier Federal Municipal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Niagara Frontier Federal Municipal Credit Union

Website https://nffmecu.com

Address 615 Main St, Niagara Falls, NY 14302

Phone 716-284-2161

Fax 716-282-4023

President Philip Young

CEO Michele Fritzke

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

-2.8089%

Return on Equity (ROE)

-33.6243%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

2,091,101

Total Amount of Shares and Deposits

1,916,421

Total Shares and Deposits < 1 Year

1,916,421

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,916,421

Total Interest Expense (Sum of items 6 8)

9,081

Share Certificates

Number of Accounts for Share Drafts

Number of Accounts for Regular Shares

276

All other shares

Money Market Shares

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)

581,514

Total Liabilities

1,916,418

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Niagara Frontier Federal Municipal Credit Union

How many branches does Niagara Frontier Federal Municipal Credit Union operate?

Niagara Frontier Federal Municipal 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 Niagara Frontier Federal Municipal Credit Union?

Yes, to access services at Niagara Frontier Federal Municipal 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, Niagara Frontier Federal Municipal 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, Niagara Frontier Federal Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Niagara Frontier Federal Municipal Credit Union offer online and mobile banking?

Most modern institutions like Niagara Frontier Federal Municipal 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: https://nffmecu.com.