2525 Military Rd Niagara Falls, NY 14304 (716) 236-7678 Office Hours: Monday – Friday: 9:00am – 4:30pm Holiday Schedule 2023 Like Us on Facebook Download Monthly Newsletter


Regular Savings

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

Checking Account:

  • No Minimum Blance Required
  • No Monthly Maintenance or Usage fee's
  • Visa Debit Card
  • 1st Order of checks are free
  • Earns dividends on average daily balance of $500.00 or more (See Truth-In-Savings Rates)link to rates

Christmas Club:

  • No Minimum Blance Required
  • Save money all year for the holidays
  • Funds available to you beginning October 1

Vacation Club:

  • No Minimum Blance Required
  • Save money all year for when you're ready for vacation

Certificate of Deposit Accounts:

  • Time deposits that earn dividends (See Certificate Rates for current terms and rates) link to rates

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.

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