Personal Loans · Niagara Falls, New York
6 credit unions in Niagara Falls report personal loan rates to the NCUA. Rates range from 10.80% to 17.90%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
10.80%
Lowest Rate
13.44%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | NIAGARA'S CHOICE ★ 3.3 · 49 reviews | 10.80% | 8.90% |
| 2 | NIAGARA FALLS TEACHERS ★ 4.8 · 5 reviews | 10.91% | — |
| 3 | SAINT JOHN A M E ★ 4.7 · 7 reviews | 10.95% | — |
| 4 | GREATER NIAGARA ★ 4.2 · 52 reviews | 13.33% | 8.90% |
| 5 | ENCOMPASS NIAGARA ★ 3.1 · 16 reviews | 16.75% | 13.90% |
| 6 | NIAGARA FALLS A F ★ 4.0 · 7 reviews | 17.90% | — |
If you have high-rate credit card balances, a personal loan from a Niagara Falls credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.