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NIAGARAS CHOICE Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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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.
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| iEditorial Disclosure
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 10, 2026

NIAGARAS CHOICE's top rates as of October 10, 2026 are 0.75% APY on its 60 Month CD of Deposit (CD), 0.15% APY on savings, 2.60% APY on money market accounts, personal loans from 8.80% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other NIAGARAS CHOICE CD rates include 48 Month CD of Deposit (CD) at 0.50%, 36 Month CD of Deposit (CD) at 0.25%, and 12 Month CD of Deposit (CD) at 0.10%. MonitorBankRates evaluates the financial stability of NIAGARAS CHOICE with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.02%. Rates last updated and verified on 10/10/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.02%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
NIAGARAS CHOICE
Packard Road
3619 Packard Rd
Niagara Falls, NY 14303-2224
http://www.niagaraschoice.org
Member NCUA
Customer Reviews
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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.

NIAGARAS CHOICE CD Rates

Product Rate APY Term View More
60 Month Certificate of Deposit (CD) 0.75% 0.753% 60 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
48 Month Certificate of Deposit (CD) 0.50% 0.501% 48 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
36 Month Certificate of Deposit (CD) 0.25% 0.25% 36 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
12 Month Certificate of Deposit (CD) 0.10% 0.10% 12 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
24 Month Certificate of Deposit (CD) 0.10% 0.10% 24 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
3 Month Certificate of Deposit (CD) 0.10% 0.10% 3 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
6 Month Certificate of Deposit (CD) 0.10% 0.10% 6 Months
Min Deposit $500
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Savings Rates

Product Rate APY View More
IRA Savings 0.15% 0.15%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Club Savings 0.05% 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Regular Savings 0.05% 0.05%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Money Market Rates

Product Rate APY View More
Money Market Account - 2.60%
Min Balance $2,000
Details 2.60 APY=Annual Percentage Yield. 2.57%=Annual Percentage Rate. NCFCU Credit Union membership is required. Account must be in good standing. A checking account or direct deposit is required.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 6, 2026: 2.60% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 4.80% 60 to 180 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 7 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 3.70%
Details As Low As; Rate includes 0.25% auto pay discount.
Last Updated 10/10/2026
Rate History
No change since Oct 1, 2026 · 3.70% APR · checked 3 times
3.20%3.70%4.20%Oct 1, 2026: 3.70% APROct 1, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Used Auto Loan - - 3.70%
Details As Low As; Rate includes 0.25% auto pay discount.
Last Updated 10/10/2026
Rate History
No change since Oct 1, 2026 · 3.70% APR · checked 3 times
3.20%3.70%4.20%Oct 1, 2026: 3.70% APROct 1, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New Auto - - 3.90% 24 to 66 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APROct 6, 2026: 3.90% APRSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Used Auto - - 3.90% 24 to 66 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APROct 6, 2026: 3.90% APRSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
New Auto - - 4.90% 67 to 84 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.70% → 4.90% ▲ 0.20 pts · high 4.90% / low 4.70%
4.20%4.80%5.40%Sep 18, 2026: 4.70% APROct 6, 2026: 4.90% APRSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.90%▲ from 4.70%
  • Sep 18, 20264.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Used Auto - - 4.90% 67 to 72 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 4.90% APR
4.40%4.90%5.40%Oct 10, 2026: 4.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Antique, Classic, Street-rod Vehicles Loan - - 6.00% 12 to 120 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Older Used Auto - - 8.05% 24 to 48 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.85% → 8.05% ▲ 0.20 pts · high 8.05% / low 7.85%
7.35%7.95%8.55%Sep 18, 2026: 7.85% APROct 6, 2026: 8.05% APRSep 18, 2026Oct 13, 2026
  • Oct 6, 20268.05%▲ from 7.85%
  • Sep 18, 20267.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loan - 7.00% 12 to 120 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Sports Craft / Motorcycle Loan - 7.00% 12 to 72 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
Motorhomes & 5th Wheels (New and Used) Loan - 7.65% 12 to 144 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.65% APR · checked 6 times
7.15%7.65%8.15%Sep 14, 2026: 7.65% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Credit Card Rates

Product Rate APR View More
MasterCard Credit Card - 8.90%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 6 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Personal Loan Rates

Product APR Term View More
Signature (Personal Loan) 8.80% 1 to 60 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.80% APR · checked 6 times
8.30%8.80%9.30%Sep 14, 2026: 8.80% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%

NIAGARAS CHOICE Other Rates

Product Rate Points APY/APR Term View More
Mobile Home Loan - - 7.15% 12 to 180 months
Details Rate includes auto-pay discount of .25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.15% APR · checked 7 times
6.65%7.15%7.65%Sep 14, 2026: 7.15% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.02%
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.
Powered by MonitorBankRates

Financial Health History

NIAGARAS CHOICE’s Texas Ratio fell from 8.13% in Q3 2023 to 6.02% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.13% A Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A Q4 2025 A+ Q1 2026 6.02% A Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$265M6.02%5.0A
March 31, 2026$264M4.49%5.0A+
December 31, 2025$257M6.36%5.0A
September 30, 2025$256M2.37%5.0A+
June 30, 2025$259M5.36%5.0A+
March 31, 2025$259M4.79%5.0A+
December 31, 2024$251M4.20%5.0A+
September 30, 2024$251M8.09%5.0A
June 30, 2024$259M8.71%5.0A
March 31, 2024$260M5.65%5.0A+
December 31, 2023$256M7.66%5.0A
September 30, 2023$260M8.13%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for NIAGARAS CHOICE 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 NIAGARAS CHOICE 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 NIAGARAS CHOICE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NIAGARAS CHOICE
Website http://www.niagaraschoice.org
Address 3619 Packard Rd, Niagara Falls, NY 14303-2224
Phone 716-284-4110
Fax 716-284-4123
President Margo Hall
CEO Daniel Keleher
Full-Time Employees 55
Part-Time Employees 0
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.02%
Return on Assets (ROA)
0.3862%
Return on Equity (ROE)
3.5457%
Non-Performing Loans Ratio (NPL)
1.17%
Total Assets
265,441,776
Total Amount of Shares and Deposits
239,121,121
Total Shares and Deposits < 1 Year
236,886,651
Total Shares and Deposits 1 3 Years
2,211,294
Total Shares and Deposits > 3 Years
23,177
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,752,854
Total Uninsured Shares and Deposits > $250K (F+J)
3,752,854
Total Insured Shares and Deposits > $250K (item 17 less item K)
235,368,267
Total Interest Expense (Sum of items 6 8)
441,294
Share Certificates
64
Number of Accounts for Share Drafts
14,564
IRA KEOGH Accounts
319
Number of Accounts for Regular Shares
25,450
Non Member Deposits
18
Money Market Shares
642
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)
19,582,445
Total Liabilities
239,122,497
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

NIAGARAS CHOICE earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/niagaras-choice-rates-review-8693">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for NIAGARAS CHOICE 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About NIAGARAS CHOICE

How many branches does NIAGARAS CHOICE operate?

NIAGARAS CHOICE 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 NIAGARAS CHOICE?

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

Does NIAGARAS CHOICE offer online and mobile banking?

Most modern institutions like NIAGARAS CHOICE 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.niagaraschoice.org.

Current NIAGARAS CHOICE Rates

  • 12-Month CD0.10%
  • 24-Month CD0.10%
  • 60-Month CD0.75%
  • Savings0.15%
  • MMA2.60%
Retrieved from our database of financial products. Rates subject to change.

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