|
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.
Niagara Regional 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
Niagara Regional Credit Union's checking rates are as high as 0.05%. Niagara Regional Credit Union's Personal Loan Rates are as low as 10.00%. Niagara Regional Credit Union's Credit Card Rates are at 13.99%. MonitorBankRates evaluates the financial stability of Niagara Regional Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates last updated and verified on 10/30/2026. Niagara Regional 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 Regional Credit Union? Share your experience about Niagara Regional Credit Union by leaving a review below, or read customer reviews before you decide to use Niagara Regional Credit Union. Niagara Regional Credit Union
Niagara Regional FCU 1285 Erie Ave
http://www.niagararegionalfcu.org North Tonawanda, NY 14120  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. Niagara Regional Credit Union Checking Rates
Niagara Regional Credit Union Auto Loan Rates
Niagara Regional Credit Union RV, Boat and Powersport Loan Rates
Niagara Regional Credit Union Credit Card Rates
Niagara Regional Credit Union Personal Loan Rates
Niagara Regional Credit Union Other Rates
Financial Health HistoryNiagara Regional Credit Union’s Texas Ratio fell from 3.70% in Q3 2023 to 2.29% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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 Niagara Regional 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 Regional 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 Regional Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Niagara Regional Credit Union
Address
1285 Erie Ave,
North Tonawanda, NY 14120
Phone
716-694-7344
Fax
716-694-6066
President
Thomas Eberwein
CEO
Brenda Michalowski
Full-Time Employees
4
Part-Time Employees
5
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.29%
Return on Assets (ROA)
0.3341%
Return on Equity (ROE)
3.9619%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
40,068,855
Total Amount of Shares and Deposits
36,574,760
Total Shares and Deposits < 1 Year
36,292,177
Total Shares and Deposits 1 3 Years
79,482
Total Shares and Deposits > 3 Years
203,100
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,223,153
Total Uninsured Shares and Deposits > $250K (F+J)
1,223,153
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,351,607
Total Interest Expense (Sum of items 6 8)
144,124
Share Certificates
140
Number of Accounts for Share Drafts
1,556
IRA KEOGH Accounts
6
Number of Accounts for Regular Shares
2,768
All other shares
398
Non Member Deposits
4
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)
2,959,848
Total Liabilities
36,690,330
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Niagara Regional 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 Niagara Regional Credit Union
Frequently Asked Questions About Niagara Regional Credit UnionWhat is the highest checking rate at Niagara Regional Credit Union?The highest Niagara Regional Credit Union checking rate is its Checking Account at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Niagara Regional Credit Union?The lowest Niagara Regional Credit Union auto loan rate is its Auto Loan - New Car (not registered) at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Niagara Regional Credit Union?The lowest Niagara Regional Credit Union personal loan rate is its Personal Loan at 10.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Niagara Regional Credit Union?The lowest Niagara Regional Credit Union credit card APR is its VISA Platinum Credit Card at 13.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Niagara Regional Credit Union operate?Niagara Regional 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 Regional Credit Union?Yes, to access services at Niagara Regional 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 Regional 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 Regional Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Niagara Regional Credit Union offer online and mobile banking?Most modern institutions like Niagara Regional 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.niagararegionalfcu.org. 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 Niagara Regional Credit Union rates compare?Niagara Regional Credit Union's top rates are its Checking Account at 0.05% APY, its Personal Loan at 10.00% APR and its VISA Platinum Credit Card at 13.99% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
Mirastar Federal Credit Union
Florence Credit Union
St Francis X Federal Credit Union
Streator Community Credit Union
Flexpak Credit Union
Wright-Patt Credit Union
New Covenant Dominion Federal Credit Union
Brantwood Credit Union
Elektra Federal Credit Union
Grand Trunk Battle Creek Emp Credit Union
Red River Employees Federal Credit Union
USC Credit Union
AmeriCU Credit Union
McPherson Co-op Credit Union
Hereford Texas Credit Union
Chessie Federal Credit Union
Decatur Earthmover Credit Union
Unity One Credit Union
Peoria Hiway Credit Union
Community 1st Federal Credit Union
Northwest Arkansas Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
