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.

Attention Bill Pay Users: NCFCU will not send pop up messages concerning identity theft.
Please Note: Although the look of the "Online Account Access" has changed, the access has not. (Online Access / Bill Pay Instructions)


Two Niagara County Credit Unions Plan Merger!

The Boards of Directors of two Niagara-area credit unions are pleased to announce that Niagara County’s Federal Credit Union will merge with Niagara’s Choice Federal Credit Union, effective December 1st, 2012.

Niagara's Choice FCU Commonly Asked Questions

  • We will be closed from Dec 1 until Dec 3rd for the Merger.
  • FlexTeller and Audio Reponse will be down on the evening of 11/18 and from Dec 1 until Dec 3rd.
  • Our Drive-Thru will be closed Saturday 12/1

Welcome to Niagara County's Federal Credit Union.

Unlike other financial institutions, your credit union is a not-for-profit
financial cooperative whose main purpose is to satisfy the financial
needs of it's members. It is designed to provide members with a
convenient and systematic method to promote savings, and an
economical way of borrowing for worthwhile purposes. Unlike other
financial institutions that earn high profits for a limited number of
stockholders, credit unions are member owned and operated.
Learn More...

Wait in Line? Not Us.
Direct Deposit is a safe and
convenient way to have your
money deposited directly into your checking or savings account.
Learn More...



Between 9pm on Friday, October 12th and 8am on Saturday, October 13th, Flex Teller and Audio Response will be unavailable during our System Maintenance. Thank you!

Loan Services

Niagara County's Federal Credit Union (NCFCU) offers its membership a wide array of loan programs.

These programs are offered at
competitive rates and flexible
terms. We also offer several
different payment options such
as payroll deduction, direct
deposit, or automatic transfer
from your credit union savings
or checking account. In most
cases, we will approve a loan
request within hours, excluding
home loans. Learn More...

Savings Safari Club
Savings Safari Club. Are you a member? Click Safari logo to see why you should be!

CU Succeed
No longer a child but becoming an adult. Find out how you can become financially responsible!
Wish you were here...
Click here to download the PDF
Sign up here.

Lost or Stolen?
(800) 528-2273
*Keep your Visa check card number in a safe place at home. Visa will need to know your number to process.

Visa Check Card Request
Visa Check Card Cancellation
Change Of Address Form

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! With either of these direct deposits you are entitled to a free box of checks each year.
Learn More...

Not signed up for audio or online access to your account?


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