Loading cooperatives…
7 member-owned, NCUA-insured credit unions headquartered in or near Niagara Falls, serving a combined 36,039 members. The largest is Niagara'S Choice. Sorted by membership size — click any credit union for its full details.
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
📍 Niagara Falls, NY🇺🇸
21,992 members
Credit Unions & BankingView details →📍 NIAGARA FALLS, NY🇺🇸
7,865 members
Credit Unions & BankingView details →📍 Niagara Falls, NY🇺🇸
2,824 members
Credit Unions & BankingView details →📍 Niagara Falls, NY🇺🇸
1,689 members
Credit Unions & BankingView details →📍 Niagara Falls, NY🇺🇸
1,230 members
Credit Unions & BankingView details →📍 NIAGARA FALLS, NY🇺🇸
270 members
Credit Unions & BankingView details →📍 NIAGARA FALLS, NY🇺🇸
169 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Niagara Falls, not that it is the nearest branch to you.
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Niagara Falls or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
7 member-owned, NCUA-insured credit unions are headquartered in or near Niagara Falls, New York, with a combined 36,039 members. The largest is Niagara'S Choice.
This page lists credit unions whose NCUA charter (headquarters) is based in or near Niagara Falls — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in New York accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.