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Niagara Falls Air Force Federal Credit Union

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Niagara Falls Air Force Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Niagara Falls Air Force Federal Credit Union 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: October 12, 2026

Niagara Falls Air Force Federal Credit Union's top rate as of October 12, 2026 is personal loans from 8.45% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Niagara Falls Air Force Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates last updated and verified on 10/12/2026.

Niagara Falls Air Force Federal Credit Union 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 Falls Air Force Federal Credit Union? Share your experience about Niagara Falls Air Force Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Niagara Falls Air Force Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.85%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Niagara Falls Air Force Federal Credit Union
Niagara Falls Air Force FCU

2420 Olmstead St
Niagara Falls, NY 14304-5066

https://www.niagarafallsafcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Niagara Falls Air Force Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club Accounts	-	0.20%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Niagara Falls Air Force Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Paper Grade A+	5.50%	-	5.50%	10 years
Details Paper Grade: A+, A; Prime 7.00% as of 9/17/2026 (footnote) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Home Equity Line of Credit - Paper Grade B	6.50%	-	6.50%	10 years
Details Paper Grade: B; Prime 7.00% as of 9/17/2026 (footnote) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Fixed Home Equity	6.75%	-	6.75%	10 years
Details Paper Grade: A+, A, B; *Add 0.50% for 15 years Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Fixed Home Equity	7.25%	-	7.25%	10 years
Details Paper Grade: C; *Add 0.50% for 15 years Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Home Equity Line of Credit - Paper Grade C	7.50%	-	7.50%	10 years
Details Paper Grade: C; Prime 7.00% as of 9/17/2026 (footnote) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Fixed Home Equity	8.00%	-	8.00%	10 years
Details Paper Grade: D; *Add 0.50% for 15 years Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Home Equity Line of Credit - Paper Grade D	8.50%	-	8.50%	10 years
Details Paper Grade: D; Prime 7.00% as of 9/17/2026 (footnote) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Niagara Falls Air Force Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans	4.74%	-	4.74%	36 months
Details Paper Grade: A+; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	4.74%	-	4.74%	48 months
Details Paper Grade: A+; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	4.74%	-	4.74%	60 months
Details Paper Grade: A+; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.24%	-	5.24%	72 months
Details Paper Grade: A+; Loan amount over $25,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.24%	-	5.24%	36 months
Details Paper Grade: A; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 8, 20265.24%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.24%	-	5.24%	48 months
Details Paper Grade: A; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 8, 20265.24%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.24%	-	5.24%	60 months
Details Paper Grade: A; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 8, 20265.24%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.74%	-	5.74%	72 months
Details Paper Grade: A; Loan amount over $25,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.74%	-	5.74%	36 months
Details Paper Grade: B; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.74% ▲ 1.00 pts · high 5.74% / low 4.74% Oct 8, 20265.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.74%	-	5.74%	48 months
Details Paper Grade: B; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.74% ▲ 1.00 pts · high 5.74% / low 4.74% Oct 8, 20265.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	5.74%	-	5.74%	60 months
Details Paper Grade: B; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 5.74% ▲ 1.00 pts · high 5.74% / low 4.74% Oct 8, 20265.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	6.24%	-	6.24%	84 months
Details Paper Grade: A+; Loan amount over $50,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	6.24%	72 months
Details Paper Grade: A+; Loan amount over $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	6.24%	36 months
Details Paper Grade: A Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 8, 20266.24%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	6.24%	48 months
Details Paper Grade: A Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 8, 20266.24%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	6.24%	60 months
Details Paper Grade: A Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 8, 20266.24%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	6.74%	-	6.74%	84 months
Details Paper Grade: A; Loan amount over $50,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	6.74%	72 months
Details Paper Grade: A; Loan amount over $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	7.24%	-	7.24%	84 months
Details Paper Grade: B; Loan amount over $50,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 8, 20267.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	7.24%	72 months
Details Paper Grade: B; Loan amount over $25,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 8, 20267.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	8.74%	36 months
Details Paper Grade: B Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 8.74% ▲ 3.00 pts · high 8.74% / low 5.74% Oct 8, 20268.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	8.74%	48 months
Details Paper Grade: B Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 8.74% ▲ 3.00 pts · high 8.74% / low 5.74% Oct 8, 20268.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	8.74%	60 months
Details Paper Grade: B Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 8.74% ▲ 3.00 pts · high 8.74% / low 5.74% Oct 8, 20268.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	9.24%	-	9.24%	72 months
Details Paper Grade: C; Loan amount over $25,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 9.24% ▲ 3.50 pts · high 9.24% / low 5.74% Oct 8, 20269.24%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	9.74%	36 months
Details Paper Grade: C Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 9.74% ▲ 4.00 pts · high 9.74% / low 5.74% Oct 8, 20269.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	9.74%	48 months
Details Paper Grade: C Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 9.74% ▲ 4.00 pts · high 9.74% / low 5.74% Oct 8, 20269.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	9.74%	60 months
Details Paper Grade: C Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 9.74% ▲ 4.00 pts · high 9.74% / low 5.74% Oct 8, 20269.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	10.24%	-	10.24%	84 months
Details Paper Grade: C; Loan amount over $50,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 10.24% ▲ 3.50 pts · high 10.24% / low 6.74% Oct 8, 202610.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	10.24%	72 months
Details Paper Grade: C; Loan amount over $25,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 10.24% ▲ 3.50 pts · high 10.24% / low 6.74% Oct 8, 202610.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	11.74%	-	11.74%	36 months
Details Paper Grade: D; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 11.74% ▲ 7.00 pts · high 11.74% / low 4.74% Oct 8, 202611.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	11.74%	-	11.74%	48 months
Details Paper Grade: D; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 11.74% ▲ 7.00 pts · high 11.74% / low 4.74% Oct 8, 202611.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	11.74%	-	11.74%	60 months
Details Paper Grade: D; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 4.74% → 11.74% ▲ 7.00 pts · high 11.74% / low 4.74% Oct 8, 202611.74%▲ from 4.74% Sep 21, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	12.24%	-	12.24%	72 months
Details Paper Grade: D; Loan amount over $25,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 12.24% ▲ 6.50 pts · high 12.24% / low 5.74% Oct 8, 202612.24%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	12.74%	36 months
Details Paper Grade: D Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 12.74% ▲ 7.00 pts · high 12.74% / low 5.74% Oct 8, 202612.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	12.74%	48 months
Details Paper Grade: D Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 12.74% ▲ 7.00 pts · high 12.74% / low 5.74% Oct 8, 202612.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	12.74%	60 months
Details Paper Grade: D Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 5.74% → 12.74% ▲ 7.00 pts · high 12.74% / low 5.74% Oct 8, 202612.74%▲ from 5.74% Sep 21, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
New Vehicle Loans	13.24%	-	13.24%	84 months
Details Paper Grade: D; Loan amount over $50,000.00; RVs: add .5% for every year over 72 months Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 13.24% ▲ 6.50 pts · high 13.24% / low 6.74% Oct 8, 202613.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Used Vehicle Loans	-	-	13.24%	72 months
Details Paper Grade: D; Loan amount over $25,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 6.74% → 13.24% ▲ 6.50 pts · high 13.24% / low 6.74% Oct 8, 202613.24%▲ from 6.74% Sep 21, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Niagara Falls Air Force Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	8.45%	24 months
Details Paper Grade: A+; Amount: $8,000; Scoring Scale: 720 and above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.45% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	8.95%	36 months
Details Paper Grade: A+; Amount: $8,000; Scoring Scale: 720 and above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	9.45%	48 months
Details Paper Grade: A+; Amount: $8,000; Scoring Scale: 720 and above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.45% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	9.45%	24 months
Details Paper Grade: A-; Amount: $8,000; Scoring Scale: 680 - 719 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.45% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	9.95%	36 months
Details Paper Grade: A-; Amount: $8,000; Scoring Scale: 680 - 719 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	9.95%	24 months
Details Paper Grade: B-; Amount: $7,000; Scoring Scale: 630 - 679 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.45% → 9.95% ▲ 0.50 pts · high 9.95% / low 9.45% Oct 12, 20269.95%▲ from 9.45% Sep 14, 20269.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	10.45%	48 months
Details Paper Grade: A-; Amount: $8,000; Scoring Scale: 680 - 719 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.45% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	10.95%	36 months
Details Paper Grade: B-; Amount: $7,000; Scoring Scale: 630 - 679 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 10.95% ▲ 1.00 pts · high 10.95% / low 9.95% Oct 12, 202610.95%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	11.45%	48 months
Details Paper Grade: B-; Amount: $7,000; Scoring Scale: 630 - 679 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.45% → 11.45% ▲ 1.00 pts · high 11.45% / low 10.45% Oct 12, 202611.45%▲ from 10.45% Sep 14, 202610.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	13.95%	24 months
Details Paper Grade: C-; Amount: $5,000; Scoring Scale: 600 - 629 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.45% → 13.95% ▲ 4.50 pts · high 13.95% / low 9.45% Oct 12, 202613.95%▲ from 9.45% Sep 14, 20269.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	14.45%	36 months
Details Paper Grade: C-; Amount: $5,000; Scoring Scale: 600 - 629 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 14.45% ▲ 4.50 pts · high 14.45% / low 9.95% Oct 12, 202614.45%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	15.95%	48 months
Details Paper Grade: C-; Amount: $5,000; Scoring Scale: 600 - 629 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.45% → 15.95% ▲ 5.50 pts · high 15.95% / low 10.45% Oct 12, 202615.95%▲ from 10.45% Sep 14, 202610.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	16.49%	24 months
Details Paper Grade: D-; Amount: $2,500; Scoring Scale: 475 - 599 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.45% → 16.49% ▲ 7.04 pts · high 16.49% / low 9.45% Oct 12, 202616.49%▲ from 9.45% Sep 14, 20269.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	16.75%	36 months
Details Paper Grade: D-; Amount: $2,500; Scoring Scale: 475 - 599 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.95% → 16.75% ▲ 6.80 pts · high 16.75% / low 9.95% Oct 12, 202616.75%▲ from 9.95% Sep 14, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Unsecured Loan	17.00%	48 months
Details Paper Grade: D-; Amount: $2,500; Scoring Scale: 475 - 599 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.45% → 17.00% ▲ 6.55 pts · high 17.00% / low 10.45% Oct 12, 202617.00%▲ from 10.45% Sep 14, 202610.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Niagara Falls Air Force Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Share Accounts	-	-	0.25%
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Youth Accounts	-	-	0.20%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

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 Falls Air Force Federal Credit Union’s Texas Ratio stayed near 0.55% in Q3 2023 to 0.85% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$22M	0.85%	5.0	A+
March 31, 2026	$21M	5.24%	5.0	A+
December 31, 2025	$21M	0.92%	5.0	A+
September 30, 2025	$20M	1.65%	5.0	A+
June 30, 2025	$20M	1.87%	5.0	A+
March 31, 2025	$20M	0.93%	5.0	A+
December 31, 2024	$20M	2.02%	5.0	A+
September 30, 2024	$20M	4.29%	5.0	A+
June 30, 2024	$20M	3.80%	5.0	A+
March 31, 2024	$20M	3.81%	5.0	A+
December 31, 2023	$20M	3.86%	5.0	A+
September 30, 2023	$20M	0.55%	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 Falls Air Force Federal Credit Union 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 Falls Air Force Federal Credit Union 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 Falls Air Force Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Niagara Falls Air Force Federal Credit Union

Website https://www.niagarafallsafcu.com

Address 2420 Olmstead St, Niagara Falls, NY 14304-5066

Phone 716-297-4034

Fax 716-297-1223

President Brian Waite

CEO Adrienne Mitchell

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.85%

Return on Assets (ROA)

0.2960%

Return on Equity (ROE)

2.6265%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

22,007,450

Total Amount of Shares and Deposits

19,511,662

Total Shares and Deposits < 1 Year

19,494,889

Total Shares and Deposits 1 3 Years

16,774

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

19,511,662

Total Interest Expense (Sum of items 6 8)

139,691

Share Certificates

Number of Accounts for Share Drafts

838

Number of Accounts for Regular Shares

1,619

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

32,315

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)

1,078,204

Total Liabilities

19,526,900

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Niagara Falls Air Force Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Niagara Falls Air Force Federal Credit Union

How many branches does Niagara Falls Air Force Federal Credit Union operate?

Niagara Falls Air Force Federal Credit Union 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 Falls Air Force Federal Credit Union?

Yes, to access services at Niagara Falls Air Force Federal Credit Union, 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 Falls Air Force Federal Credit Union 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 Falls Air Force Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Niagara Falls Air Force Federal Credit Union offer online and mobile banking?

Most modern institutions like Niagara Falls Air Force Federal Credit Union 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: https://www.niagarafallsafcu.com.