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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
NIAGARAS CHOICE Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 17, 2026
NIAGARAS CHOICE's 60 month CD of Deposit (CD) rates are at 0.75%, 48 month CD of Deposit (CD) rates are at 0.50%, 36 month CD of Deposit (CD) rates are at 0.25%, 12 month CD of Deposit (CD) rates are at 0.10%, 24 month CD of Deposit (CD) rates are at 0.10%. NIAGARAS CHOICE's savings rates are at 0.05%. NIAGARAS CHOICE's Personal Loan Rates are at 8.80%. MonitorBankRates evaluates the financial stability of NIAGARAS CHOICE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates were last updated on 03/17/2026. NIAGARAS CHOICE 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 NIAGARAS CHOICE? Share your experience about NIAGARAS CHOICE by leaving a review below, or read customer reviews before you decide to use NIAGARAS CHOICE. Bluff View Bank
Packard Road 3619 Packard Rd
http://www.niagaraschoice.org Niagara Falls, NY 14303 2224 
NIAGARAS CHOICE CD Rates
NIAGARAS CHOICE Savings Rates
NIAGARAS CHOICE Home Equity & HELOC
NIAGARAS CHOICE Credit Card Rates
NIAGARAS CHOICE Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for NIAGARAS CHOICE 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 NIAGARAS CHOICE 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 NIAGARAS CHOICE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
NIAGARAS CHOICE
Website
http://www.niagaraschoice.org
Address
3619 Packard Rd,
Niagara Falls, NY 14303 2224
Phone
716-284-4110
Fax
716-284-4123
President
Margo Hall
CEO
Daniel Keleher
Full-Time Employees
59
Part-Time Employees
1
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.47%
Return on Assets (ROA)
0.6331%
Return on Equity (ROE)
5.7808%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
255,976,867
Total Amount of Shares and Deposits
231,640,895
Total Shares and Deposits < 1 Year
227,376,131
Total Shares and Deposits 1 3 Years
4,247,642
Total Shares and Deposits > 3 Years
17,121
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,617,131
Total Uninsured Shares and Deposits > $250K (F+J)
3,617,131
Total Insured Shares and Deposits > $250K (item 17 less item K)
228,023,764
Total Interest Expense (Sum of items 6 8)
487,504
Share Certificates
77
Number of Accounts for Share Drafts
14,621
IRA KEOGH Accounts
331
Number of Accounts for Regular Shares
25,880
Non Member Deposits
28
Money Market Shares
389
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,379,851
Total Liabilities
231,180,745
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About NIAGARAS CHOICEIs NIAGARAS CHOICE a safe place to deposit money?Yes, NIAGARAS CHOICE is considered a safe financial institution. With a Texas Ratio of 2.4711943503206%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does NIAGARAS CHOICE operate?NIAGARAS CHOICE 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 NIAGARAS CHOICE?Yes, to access services at NIAGARAS CHOICE, 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, NIAGARAS CHOICE 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, NIAGARAS CHOICE provides members with tools to manage their accounts and build a solid financial history. Does NIAGARAS CHOICE offer online and mobile banking?Most modern institutions like NIAGARAS CHOICE 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.niagaraschoice.org. Current NIAGARAS CHOICE Rates
Retrieved from our database of financial products. Rates subject to change.
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