☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
NIAGARA REGIONAL

iAdvertiser Disclosure

NIAGARA REGIONAL Rates & Review October 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 and Verified: October 10, 2026

NIAGARA REGIONAL's top rates as of October 10, 2026 are 0.05% APY on checking, personal loans from 10.00% APR, and credit cards from 13.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of NIAGARA REGIONAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 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

2.29%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

NIAGARA REGIONAL
Niagara Regional FCU

1285 Erie Ave
North Tonawanda, NY 14120

http://www.niagararegionalfcu.org

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 Checking Rates

Product	Rate	APY	View More
Checking Accounts	-	0.05%
Details Average Daily Balances Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

NIAGARA REGIONAL Auto Loan Rates

Product	Rate	Points	APR
New Car (not registered) Loan	-	-	3.99%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Used Car Loan	-	-	4.99%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Special Vehicles Loan	-	-	7.24%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

NIAGARA REGIONAL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Loan	-	5.99%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

NIAGARA REGIONAL Credit Card Rates

Product	Rate	APR
VISA Platinum	-	13.99%
Details Regular APR: 13.99%; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
VISA Credit-Builder	-	14.99%
Details Regular APR: 14.99%; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
VISA Rewards	-	14.99%
Details Regular APR: 14.99%; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

NIAGARA REGIONAL Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.00%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

NIAGARA REGIONAL Other Rates

Product	Rate	Points	APY/APR	Term
Equipment Term Loans	7.00%	-	7.50%	Fixed up to 5 Years
Details Published APR range: 7.50% - 8.00%; Published rate range: 7.00% - 7.55%. Risk Rating 1-2; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 7.55% → 7.50% ▼ 0.05 pts · high 7.55% / low 7.50% Oct 6, 20267.50%▼ from 7.55% Sep 27, 20267.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Equipment Term Loans	8.00%	-	8.50%	Fixed up to 5 Years
Details Published APR range: 8.50% - 9.00%; Published rate range: 8.00% - 8.50%. Risk Rating 3-4; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00% Oct 6, 20268.50%▲ from 8.00% Sep 27, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Equipment Term Loans	9.00%	-	9.50%	Fixed up to 5 Years
Details Published APR range: 9.50% - 10.00%; Published rate range: 9.00% - 9.50%. Risk Rating 5-6; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 8.00% → 9.50% ▲ 1.50 pts · high 9.50% / low 8.00% Oct 6, 20269.50%▲ from 8.00% Sep 27, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Line of Credit	-	-	7.50%
Details Published APR range: 7.50% - 8.00%. Small Business Lending; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Line of Credit	-	-	8.50%
Details Published APR range: 8.50% - 9.00%. Small Business Lending; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Line of Credit	-	-	9.50%
Details Published APR range: 9.50% - 10.00%. Small Business Lending; Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Deduct .50% for Veterans (not available for mortgage rates). Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

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

NIAGARA REGIONAL’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

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
June 30, 2026	$40M	2.29%	5.0	A+
March 31, 2026	$40M	1.47%	5.0	A+
December 31, 2025	$38M	0.00%	5.0	A+
September 30, 2025	$36M	1.19%	5.0	A+
June 30, 2025	$38M	0.45%	5.0	A+
March 31, 2025	$38M	0.00%	5.0	A+
December 31, 2024	$36M	0.00%	5.0	A+
September 30, 2024	$35M	0.01%	5.0	A+
June 30, 2024	$37M	0.04%	5.0	A+
March 31, 2024	$38M	0.22%	5.0	A+
December 31, 2023	$38M	2.33%	5.0	A+
September 30, 2023	$39M	3.70%	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 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 4

Part-Time Employees 5

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

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

Number of Accounts for Regular Shares

2,768

All other shares

398

Non Member Deposits

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

Q2 2026 MBR Health & Safety Badge

NIAGARA REGIONAL 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/niagara-regional-rates-review-3285">
  <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 NIAGARA REGIONAL 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

Add Your Rating and Review for NIAGARA REGIONAL

Frequently Asked Questions About NIAGARA REGIONAL

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.