Credit Unions in Niagara Falls, NY
6 member-owned, NCUA-insured credit unions headquartered in or near Niagara Falls, serving a combined 35,611 members. The largest is Niagara'S Choice. Click any credit union for its full details.
Find credit unions near you
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.
Sorted by membership size.
Niagara'S Choice
Niagara Falls, NY🇺🇸
21,803 members
Credit Unions & BankingView details →Greater Niagara
NIAGARA FALLS, NY🇺🇸
7,863 members
Credit Unions & BankingView details →Encompass Niagara
Niagara Falls, NY🇺🇸
2,651 members
Credit Unions & BankingView details →Niagara Falls A F
Niagara Falls, NY🇺🇸
1,681 members
Credit Unions & BankingView details →Niagara Falls Teachers
Niagara Falls, NY🇺🇸
1,443 members
Credit Unions & BankingView details →Saint John A M E
NIAGARA FALLS, NY🇺🇸
170 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Niagara Falls: they are based in or near Niagara Falls. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Niagara Falls
1 more credit union headquartered elsewhere has a branch in Niagara Falls, NY. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
- Cornerstone Community — branch: 4225 Witmer Rd Niagara Falls, NY 14305
How to join a credit union in New York
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.
Credit unions in nearby cities
Credit unions in Niagara Falls — common questions
How many credit unions are in Niagara Falls?
6 member-owned, NCUA-insured credit unions are headquartered in or near Niagara Falls, New York, with a combined 35,611 members. The largest is Niagara'S Choice.
Are these the closest credit unions to me in Niagara Falls?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Niagara Falls, geocoded to the city. The second list adds 1 more credit union headquartered elsewhere that NCUA shows with a branch in Niagara Falls, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Niagara Falls?
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).
Credit union vs bank — which is better in Niagara Falls?
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.