Lockport, NY
260 West Avenue
Phone: (716) 434-4180
R&T #222381248
Click here for hours.
Niagara Falls, NY
900 Main Street
Niagara Falls, NY 14301

R&T #222381248
Click here for hours.


We have a variety of savings accounts to fit your needs. We offer:

  • Regular Share Savings
  • Day of Deposit Savings
  • Money Market Savings
  • Christmas Club
  • Vacation Club
  • Share Certificates
  • IRAs


What could you spend $100 on? Surely not your checking account.

Niagara County's Federal Credit Union offers a share draft account that will save you money over those high fees and service charges paid at other financial institutions.

Credit Union Checking advantages include:

  • Duplicate checks for record retention
  • Direct Deposit and Payroll Deduction accessible
  • Optional Visa Check Card


You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transac-tions without using a personal identification number (PIN) to authenticate the transactions.

To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.

To initiate a non-Visa debit transaction, you may enter a PIN at a point-of-sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transac-tion after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the NYCE, Jeanie, Co-op and Cirrus networks.

The rights and protections applicable only to Visa debit transactions, including additional customer liabil-ity limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks.
Please contact the credit union with any questions you may have regarding this notice.

LOANS (top)

Niagara County's Federal Credit Union has the loan to fit your needs. With a wide array of loan offerings and repayment periods, we will have what you are looking for. Convenient application by phone, fax, in person and soon over the internet, make it easy to apply. You can even be pre-approved for that car loan so you can make your best deal with the salesmen.

Types of loans offered include:

  • Auto Loans
  • RV, Motorcycle and Boat Loans
  • Personal Loans
  • Share Secured Loans
  • Home Equity Lines of Credit
  • Home Equity Fixed Rate Loans
  • Mortgages


MASTERCARD - Classic or Platinum (top)

Apply for a low-interest, no annual fee Mastercard today at Niagara County's Federal Credit Union . A great card for emergencies, shopping, or tracking those travel expenses. We may even be able to help you save money by transferring balances of your current cards over to a Credit Union Mastercard. Another great advantage of our card is that cash advances are financed at the same rate as purchases with no transaction charge. Stop in or call today to start saving on your credit card bills!


Niagara County's Federal Credit Union enables our members access to their accounts 24 hours a day, 7 days a week. For access on your computer simply click here.

For times you are away from a computer or internet service, use our STAR Audio Response telephone banking system. All the same great services provided 24/7 over the phone.

Transactions available on these systems include:

  • Balance requests
  • History detail on accounts
  • Check clearing information
  • Share transfers
  • Loan payments


New and improved Bill Pay can make your life a whole lot easier.

Announcing Bill Pay advancements.

If you currently use Bill Pay, you know that it can be used with any online computer, streamlining the way you pay your bills. Whether a bill is paid one-time-only or in an ongoing fashion, you schedule due dates for your payments, then relax as Niagara County's Federal Credit Union does the rest.
Click here to sign-up.


Work With Someone You Trust
A Message from the MEMBERS Financial Services Program

• Is your retirement money invested properly?
• Will you have enough income in retirement?
• How will you pay for a child’s education?
• Financially, what would happen to your family if you died?
• How will you pay for long-term care?

The MEMBERS Financial Services Program located at Niagara County Federal Credit Union has one objective: to help you reach your financial goals. We’re here to help you make sound financial decisions consistent with your risk tolerance, investment time-lines and goals.

The program works in cooperation with your credit union and complements the products and services the credit union makes available to you. Together we can provide a total package to help you realize your full financial potential. When it comes to insurance and investments, we understand the importance of a trusted partner.

Contact Stewart Conover, the MEMBERS Financial Services Representatives today at (716) 434-4180 for a no-cost, no-obligation appointment.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. B2MM-0205-8114


Niagara County's Federal Credit Union also provides these other fine services for our members.

  • Certified Checks
  • Wire Transfers
  • Notary Service
  • Discounted Movie and Amusement Park Tickets
  • Life Savings Insurance
  • Accidental Death & Dismemberment Insurance
  • Credit Life / Disability Insurance


Direct Deposit is a safe and convenient way to have your money deposited directly into your checking or savings account. Instead of taking a check to the bank, your money will automatically be transferred into the accounts you specify.

Convenient and Reliable - Your money will be in your account whether you are on vacation, sick or just too busy to deposit a check.

Safe and Secure - When there is no check there is no threat of theft or potential for loss.

Confidential - The transaction is completely confidential. Your deposit will appear on your pay stub, and can be confirmed by calling your financial institution or verifying your balance online.
Direct Deposit helps you manage and control your money, helping you maintain financial stability - conveniently, securely and confidentially.

Direct deposit can be used for salary payments, Federal government benefit payments, pension, annuity and dividend payments, expense reimbursement and other regular payments you receive. For more information, visit


With direct deposit, your Social Security or SSI checks go straight into your account at the same time each month, thus giving you more control over your money. It eliminates the risk of stolen checks and forgeries and helps protect you from identity theft.
Direct deposit also provides immediate access to your money from virtually anywhere.

Direct deposit is safer than mailing checks. You are 30 times more likely to have a problem with your federal benefit check than with your direct deposit payment.

It's easier than checks, because people who get benefits don't need to go to the credit union to deposit a check. Their payment goes straight into their account on payment day each month, giving you more control over your money.

Plus, direct deposit allows immediate access to funds from virtually anywhere. It's easy to sign up for direct deposit, and it only takes a few minutes -- call the Go Direct toll-free helpline at (800) 333-1795, or enroll online by clicking here. You also can sign up at your credit union or local Social Security office.

If you are a taxpayer you should care about direct deposit. The Treasury issues more than 150 million benefit checks annually. If all those were converted to direct deposit, it would save taxpayers about $120 million annually. Almost all the money saved remains in the Social Security Trust Fund.

Unless the rate of direct deposit use increases, the costs associated with issuing federal benefit checks will balloon when baby boomers start retiring in 2008.

The Treasury recognizes that it is important to take action now. The money saved on postage, printing and other costs as a result of Go Direct will be used to cover the costs of future Social Security payments.


Are you 55 or older? Do you have direct deposit of your pension or social security? Open a Senior Club Account today! Receive FREE checking services including FREE checks and FREE statement copies.


Thanks to recent changes in federal law, each of the three nationwide consumer reporting companies are now required to provide you with a free copy of your credit report, at your request, once every 12 months. Your credit report is an important record of your financial history, and knowing what it contains can be very helpful. The information is often sold to creditors, insurers, employers and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. It is also useful to help guard against identity theft.

Take advantage of this great opportunity to protect your interests and plan for the future!

The three nationwide consumer reporting companies - Equifax, Experian and Trans Union have set up one central toll-free number, mailing address and website through which you can order your free annual report.

You may order your reports from each of the three companies at the same time, or from only one or two. The law allows you to order one free copy from each company every 12 months. Do not contact the companies individually for this service.

  • By phone: call 1-877-322-8228
  • By mail: print and fill out the request form from and mail it to Annual Credit Report Request Service, P.O. Box 104281, Atlanta GA 30348-5281
  • On the Web: order online through

This icon denotes a link to a third party site. Please click here to view The Niagara County's Federal Credit Union Third Party Disclaimer.

The Credit Union, NCUA
and CUNA Mutual will
NEVER contact you by
e-mail and ask you for personal, private or
financial information.
Learn More...
Do you have direct deposit
of your pension or social
security? Open a Senior
Club account today!
Recieve free checking
services including; free
checks and free statement copies. Learn More...

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