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NIAGARA REGIONAL

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NIAGARA REGIONAL Rates & Review September 2026

Q: How many branches does NIAGARA REGIONAL operate?

NIAGARA REGIONAL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join NIAGARA REGIONAL?

Yes, to access services at NIAGARA REGIONAL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, NIAGARA REGIONAL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NIAGARA REGIONAL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

NIAGARA REGIONAL's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of NIAGARA REGIONAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates last updated and verified on 09/10/2026.

NIAGARA REGIONAL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NIAGARA REGIONAL? Share your experience about NIAGARA REGIONAL by leaving a review below, or read customer reviews before you decide to use NIAGARA REGIONAL.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.47%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

NIAGARA REGIONAL
Niagara Regional FCU

1285 Erie Ave
North Tonawanda, NY 14120

http://www.niagararegionalfcu.org

NIAGARA REGIONAL Auto Loan Rates

Product	Rate	Points	APR
Used Car Loan	-	-	4.99%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%
Special Vehicles Loan	-	-	7.24%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%

NIAGARA REGIONAL Credit Card Rates

Product	Rate	APR
VISA Platinum	-	13.99%
Details Promotional Loans require Direct Deposit of $500 with auto pay for loan. Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Discount exception- No additonal discounts for HELOCs, XChex, or Credit Cards. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the credit union for complete details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%
VISA Credit-Builder	-	14.99%
Details Promotional Loans require Direct Deposit of $500 with auto pay for loan. Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Discount exception- No additonal discounts for HELOCs, XChex, or Credit Cards. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the credit union for complete details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%
VISA Rewards	-	14.99%
Details Promotional Loans require Direct Deposit of $500 with auto pay for loan. Rates are based on $500 monthly Direct Deposit with auto pay form NRFCU Acct. Loans without these requirements will add .35% to traditional rates. Discount exception- No additonal discounts for HELOCs, XChex, or Credit Cards. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the credit union for complete details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%

NIAGARA REGIONAL Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.00%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

NIAGARA REGIONAL’s Texas Ratio fell from 4.44% in Q2 2023 to 1.47% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$40M	1.47%	5.0	A+
December 31, 2025	$38M	0.00%	5.0	A+
September 30, 2025	$36M	1.19%	5.0	A+
June 30, 2025	$38M	0.45%	5.0	A+
March 31, 2025	$38M	0.00%	5.0	A+
December 31, 2024	$36M	0.00%	5.0	A+
September 30, 2024	$35M	0.01%	5.0	A+
June 30, 2024	$37M	0.04%	5.0	A+
March 31, 2024	$38M	0.22%	5.0	A+
December 31, 2023	$38M	2.33%	5.0	A+
September 30, 2023	$39M	3.70%	5.0	A+
June 30, 2023	$39M	4.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NIAGARA REGIONAL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather NIAGARA REGIONAL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with NIAGARA REGIONAL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NIAGARA REGIONAL

Website http://www.niagararegionalfcu.org

Address 1285 Erie Ave, North Tonawanda, NY 14120

Phone 716-694-7344

Fax 716-694-6066

President Thomas Eberwein

CEO Brenda Michalowski

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.47%

Return on Assets (ROA)

0.1583%

Return on Equity (ROE)

1.9033%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

39,781,753

Total Amount of Shares and Deposits

36,361,821

Total Shares and Deposits < 1 Year

36,072,619

Total Shares and Deposits 1 3 Years

86,101

Total Shares and Deposits > 3 Years

203,100

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

734,139

Total Uninsured Shares and Deposits > $250K (F+J)

734,139

Total Insured Shares and Deposits > $250K (item 17 less item K)

35,627,682

Total Interest Expense (Sum of items 6 8)

73,444

Share Certificates

140

Number of Accounts for Share Drafts

1,544

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,763

All other shares

395

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,261,694

Total Liabilities

36,474,129

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

NIAGARA REGIONAL earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About NIAGARA REGIONAL

How many branches does NIAGARA REGIONAL operate?

NIAGARA REGIONAL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join NIAGARA REGIONAL?

Yes, to access services at NIAGARA REGIONAL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, NIAGARA REGIONAL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NIAGARA REGIONAL provides members with tools to manage their accounts and build a solid financial history.

Does NIAGARA REGIONAL offer online and mobile banking?

Most modern institutions like NIAGARA REGIONAL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.niagararegionalfcu.org.