2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 or 1-833-296-7511 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2026 Like Us on Facebook

AUTO LOAN SPECIAL

Get 2% OFF!

Apply for a Loan

*2% off current rates.
Approval based on the creditworthiness of the applicant and other information such as collateral value, term, income, etc.

Investment Services

Wealth Management with our Financial Advisors

Schedule an Appointment

Credit Union Wealth Group is a registered investment advisor with the U.S. Securities and Exchange Commission. Investments in securities: Not FDIC Insured - Not NCUA Insured - No Bank Guarantee - May Lose Value.

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Get pre-approved for a loan before you shop

Rate discounts are available for existing members.
Contact the office for more information at 716-236-7678

Home Sweet Loans

Find a Mortgage That Fits Your Life

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NEW AT YOUR CREDIT UNION

Now offering VISA Credit Cards!

5.90%APR

Balance transfer special — 9 months

5.90%APR

New account special — 6 months

Offer available from July 1, 2026 – September 30, 2026. Contact a credit union representative today to find out how to apply!

Loans

Encompass Niagara Federal Credit Union offers a full range of loan services tailored to your needs using a credit based lending program to help as many members we can.

Get Started with a Loan

Checking Accounts

Encompass Niagara FCU offers access to over 60,000 ATMs worldwide. You will never be charged and can use them as often as you'd like!

Get Started with a Checking Account

Date	Holiday
January 1, 2026	New Year's Day
January 19	MLK Day
February 16	President's Day
May 25	Memorial Day
June 19	Juneteenth
July 3	Observance Independence Day
September 7	Labor Day
October 12	Columbus Day
November 11	Veteran's Day
November 26	Thanksgiving Day
November 27	Black Friday
December 24	Christmas Eve - Closing at 12:30pm
December 25	Christmas Day
December 31	New Years Eve - Closing at 12:30pm
January 1	New Years 2027