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Greater Together Credit Union

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Greater Together Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Together 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: September 23, 2026

Greater Together Credit Union's Personal Loan Rates are as low as 10.91%. MonitorBankRates evaluates the financial stability of Greater Together Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.67%. Rates last updated and verified on 09/23/2026.

Greater Together 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 Greater Together Credit Union? Share your experience about Greater Together Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Together Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.67%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Greater Together Credit Union
Greater Niagara FCU

2901 MILITARY RD
NIAGARA FALLS, NY 14304-1251

https://greatertogethercu.com

Greater Together Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.61%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Greater Together Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
New & Used Boats & RVs Loan	-	10.01%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Greater Together Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Balance Transfer	-	2.34%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Greater Together Credit Union Personal Loan Rates

Product	APR	Term	View More
Fixed Rate Unsecured	10.91%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

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.

Financial Health History

Greater Together Credit Union’s Texas Ratio fell from 4.13% in Q2 2023 to 1.67% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$69M	1.67%	5.0	A+
December 31, 2025	$69M	4.10%	5.0	A+
September 30, 2025	$68M	4.80%	5.0	A+
June 30, 2025	$70M	3.59%	5.0	A+
March 31, 2025	$71M	3.14%	5.0	A+
December 31, 2024	$71M	4.24%	5.0	A+
September 30, 2024	$70M	3.13%	5.0	A+
June 30, 2024	$69M	3.23%	5.0	A+
March 31, 2024	$71M	2.11%	5.0	A+
December 31, 2023	$70M	1.98%	5.0	A+
September 30, 2023	$67M	2.43%	5.0	A+
June 30, 2023	$69M	4.13%	5.0	A+

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 Greater Together 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 Greater Together 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 Greater Together Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Together Credit Union

Website https://greatertogethercu.com

Address 2901 MILITARY RD, NIAGARA FALLS, NY 14304-1251

Phone 716-297-5944

Fax 716-297-6074

President George Lodick III

CEO Janelle Zasucha

Full-Time Employees 11

Part-Time Employees 3

Branch Locations 2

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

1.67%

Return on Assets (ROA)

0.3950%

Return on Equity (ROE)

2.9241%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

68,595,477

Total Amount of Shares and Deposits

59,052,454

Total Shares and Deposits < 1 Year

58,451,116

Total Shares and Deposits 1 3 Years

601,339

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

1,865,455

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

1,865,455

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

57,186,999

Total Interest Expense (Sum of items 6 8)

12,306

Share Certificates

168

Number of Accounts for Share Drafts

3,082

Number of Accounts for Regular Shares

6,581

Net Income (unless the amount is already included in Undivided Earnings)

270,937

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)

9,801,786

Total Liabilities

59,515,787

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Greater Together Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Greater Together Credit Union

How many branches does Greater Together Credit Union operate?

Greater Together 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 Greater Together Credit Union?

Yes, to access services at Greater Together 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, Greater Together 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, Greater Together Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Together Credit Union offer online and mobile banking?

Most modern institutions like Greater Together 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://greatertogethercu.com.