Business Details
50+ Years
experience
Your Community Credit Union Since 1953
Niagaras Choice Credit Union is a full-service, not-for-profit financial institution serving over 22,000 members across Erie and Niagara counties since 1953. Founded by employees of Hooker Chemical Company, we transitioned from OxyChem Niagara Federal Credit Union to our current name in 2004 to better reflect our community focus. As the third-largest credit union in Western New York, we offer competitive rates on savings accounts, loans, and credit products while maintaining a member-owned structure that prioritizes customer benefits over profits.Our services include 24/7 online and mobile banking, five branch locations, and access to 30,000 surcharge-free ATMs nationwide through the CO-OP network. We emphasize financial education, member discounts, and personalized service while maintaining federal insurance up to $250,000 for all accounts. Our merger history demonstrates strategic growth focused on expanding member services while preserving local community connections.
Services
Savings Accounts
Home Equity Loans
Auto Financing
Credit Cards
Financial Planning
Online Banking
Insurance Services
Personal Loans
Mortgage Loans
Mobile Banking
Details
- Year established: 1953
Highlights and features
- We operate as a not-for-profit member-owned institution since 1953
- Our 24/7 online banking platform offers real-time account management
- We provide access to 30,000 surcharge-free ATMs nationwide through CO-OP
- Our loan specialists offer personalized financing solutions with competitive rates
- We maintain a local board of directors with community-focused decision making
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Savings Accounts
We offer various savings solutions including Christmas clubs, IRA accounts, and kids club programs. Our members earn competitive dividends while maintaining liquidity. Minimum $5 opening deposit provides ownership shares in our not-for-profit institution.
Home Equity Loans
Our home equity loans and lines of credit provide flexible financing for home improvements, debt consolidation, or major purchases. Competitive rates and terms tailored to individual financial situations help members maximize home equity benefits.
Auto Financing
We offer new and used auto loans with low APR options for qualified borrowers. Our financing includes vehicle refinancing programs and special rates for members through our not-for-profit structure.
Online Banking
Our 24/7 online banking platform enables account management, bill payments, fund transfers, and loan applications. Mobile app features include mobile check deposit and real-time transaction alerts for enhanced financial control.
Financial Planning
Partnering with certified financial planners, we provide retirement planning, investment advisory services, and estate planning solutions. These services help members achieve long-term financial goals through personalized strategies and professional guidance.
Questions
Who is eligible to join Niagaras Choice Credit Union?
Residents, workers, worshippers, and students in Erie or Niagara counties qualify for membership through our community charter.
What loan products does Niagaras Choice offer?
We provide auto loans, home equity loans, personal loans, mortgages, and recreational vehicle financing with competitive rates.
How can I access my accounts outside business hours?
Our online and mobile banking platforms provide 24/7 account access for transactions, bill payments, and account management.
Do you offer financial planning services?
Yes, we partner with certified wealth managers to provide retirement planning, investment advice, and estate planning services.
What insurance products are available to members?
We offer home and auto insurance through partner agencies, plus credit life/disability insurance and accidental death coverage.
How many ATMs can I use without fees?
Members access 30,000 surcharge-free ATMs nationwide through the CO-OP network plus five local branch ATMs.
Reviews (6)
Killface
Aug 03, 2021
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Used to be good when is was oxy. Wait times are absolutely absurd. You are treated poorly by the workers needless to say my experience there today will be my last I'm going to open an account somewhere else and getting all of my money out of that place asap.
J.
Jul 17, 2020
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Trying to reach someone is like trying to move a mountain. Also trying to get help on a few things never happened. Will be taking my business elsewhere.. should have never of stayed here as long as I did (14 years) . Remember people there are OTHER places out there! I only gave this place two stars because there are a few very wonderful ladies working in the front.
Michelle Berak
Jun 12, 2020
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Staff is very nice. I am frustrated that you cannot deposit through the atm. I have never seen a credit union or bank that you cant deposit through the atm. Needs to be updated.
Breana Schram
Jul 05, 2018
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I've been going to this bank/credit union since i was a kid and I've never had problems up until June of 2017 that's when money disappeared from my acct they told me that there were no records on my acct and then never helped me after that i am very unhappy with this bank/credit union and feel disgusted that they wouldn't even reimburse me for the missing money! not to mention they are rejecting my direct deposits and sending them back to the companies and I'm honestly very fed up.
Brittany Portugues
Aug 12, 2017
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They give u opportunities to build your credit. They are always nice and it's a good place to go for banking.. This of course is for the niagara falls locations
Samantha Ducette
Jul 27, 2017
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They aren't horrible but they need to update their technology. I would enjoy banking with them more if i could deposit and transfer money easier.
