2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm


Regular Shares

There is a minimum Balance requirement of $25 to open a Share account. Having a Share account makes you a member of our Federal Credit Union.

  • Share Draft
  • There is no minimum balance requirement and no monthly fees. Your first 50 checks are free and no added debit card fees.
  • Christmas Club
  • Need money for Christmas? Put money aside throughout the year into a Christmas club account
  • Certificate of Deposit
  • See our current rates and open a Certificate of Deposit account today.

Our Membership Eligibility

Members must live, work, worship,attend school or volunteer in Niagara County. We are required by the Patriot Act to document identification from all members. Please bring a Valid photo ID when you come in to join.

APR / APY Definitions

APR: The term annual percentage rate (APR), also called nominal APR, and the term effective APR describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, etc. It is a finance charge expressed as an annual rate.

APY: Annual percentage yield (APY) (also called Effective Annual Rate (EAR) in finance) is a normalized representation of an interest rate, based on a compounding period of one year. APY figures allow for a reasonable, single-point comparison of different offerings with varying compounding schedules. However, it does not account for the possibility of account fees affecting the net gain. APY generally refers to the rate paid to a depositor by a financial institution, while the analogous annual percentage rate (APR) refers to the rate paid to a financial institution by a borrower.