NIAGARA REGIONAL Rates and Review January 2026
Compare NIAGARA REGIONAL CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of NIAGARA REGIONAL savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityNIAGARA REGIONAL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or 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, NIAGARA REGIONAL is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. First National Bank Texas Niagara Regional FCU 1285 Erie Ave North Tonawanda, NY 14120  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonSIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Visa Cash Back
16.100%
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Line of Credit
7.750% - 16.750%
$0
1 - 36
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
Signature Loan
10.000%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have NIAGARA REGIONAL rate data right now. Credit Union Profile & OverviewCredit Union Name: NIAGARA REGIONAL
Website: http://www.niagararegionalfcu.org
Full Time Employees: 7Part Time Employees: 1 President: Thomas Eberwein CEO: Brenda Michalowski Branch Locations: 3 ATM Locations: 2 Corporate Office Address:
1285 Erie Ave
North Tonawanda, NY 14120 Phone Number: 716-694-7344 Fax Number: 716-694-6066 FinancialsTotal 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:
2
Number of Accounts for Regular Shares:
2,783
All other shares:
365
Non Member Deposits:
4
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
989,301
Total Liabilities:
33,298,253
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About NIAGARA REGIONALIs a member application needed to join NIAGARA REGIONAL?Yes, to access services at NIAGARA REGIONAL, a member application is required. Is there a first-time homebuyer program?Currently, NIAGARA REGIONAL provides a range of mortgage and home equity products. Is NIAGARA REGIONAL a safe place to deposit money?Yes, NIAGARA REGIONAL is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does NIAGARA REGIONAL offer online and mobile banking?Most modern institutions like NIAGARA REGIONAL provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.77%, 6-month CD rates at 0.05% and 3-month CD rates at 0.10%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.73%. Credit Card rates are at 7.99%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates which you can compare to 
