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NIAGARA REGIONAL

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NIAGARA REGIONAL Rates & Review March 2026

Q: How many branches does NIAGARA REGIONAL operate?

NIAGARA REGIONAL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join NIAGARA REGIONAL?

Yes, to access services at NIAGARA REGIONAL, 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.

Q: Is there a first-time homebuyer program?

Currently, NIAGARA REGIONAL 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NIAGARA REGIONAL 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: March 27, 2026

NIAGARA REGIONAL's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of NIAGARA REGIONAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates were last updated on 03/27/2026.

NIAGARA REGIONAL 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? Share your experience about NIAGARA REGIONAL by leaving a review below, or read customer reviews before you decide to use NIAGARA REGIONAL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.22%

Excellent Lower than avg

First National Bank Texas
Niagara Regional FCU

1285 Erie Ave
North Tonawanda, NY 14120

http://www.niagararegionalfcu.org

NIAGARA REGIONAL Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	3.99%
Details As Low As; For the First Year Last Updated 03/15/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 63.89%

NIAGARA REGIONAL Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	10.00%
Details As Low As Last Updated 03/15/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 63.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NIAGARA REGIONAL 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NIAGARA REGIONAL

Website http://www.niagararegionalfcu.org

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 7

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.22%

Return on Assets (ROA)

0.6178%

Return on Equity (ROE)

7.0542%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

36,487,542

Total Amount of Shares and Deposits

33,198,030

Total Shares and Deposits < 1 Year

32,922,134

Total Shares and Deposits 1 3 Years

6,620

Total Shares and Deposits > 3 Years

269,277

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,162,389

Total Uninsured Shares and Deposits > $250K (F+J)

1,162,389

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

32,035,641

Total Interest Expense (Sum of items 6 8)

221,357

Share Certificates

157

Number of Accounts for Share Drafts

1,562

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,783

All other shares

365

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

989,301

Total Liabilities

33,298,253

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About NIAGARA REGIONAL

Is NIAGARA REGIONAL a safe place to deposit money?

Yes, NIAGARA REGIONAL is considered a safe financial institution. With a Texas Ratio of 1.2249935613124%, 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 NIAGARA REGIONAL operate?

NIAGARA REGIONAL 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?

Yes, to access services at NIAGARA REGIONAL, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does NIAGARA REGIONAL offer online and mobile banking?

Most modern institutions like NIAGARA REGIONAL 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.