NIAGARA REGIONAL is an NCUA-insured credit union located in North Tonawanda, NY. New auto loan rates from 4.87% APR. Google rating: 4.5 out of 5 from 143 reviews.

Niagara Regional

1285 Erie Ave, North Tonawanda, NY 14120

NCUA Insured4.5 (143 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around North Tonawanda, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1285 Erie Ave

North Tonawanda, NY 14120

Google Maps 🗺Waze

(716) 694-7344

Service Area

This credit union is located in North Tonawanda and serves members in the NY area. Currently serving 239,300 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

4.87%

Used Auto Loan

5.86%

Personal Loan

10.29%

Credit Card APR

9.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q1 2026).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

Suffolk— Used Auto Loan

Medford, NY

2.59%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Compare Rates in North Tonawanda

See how NIAGARA REGIONAL stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in North Tonawanda →Best Personal Loan Rates in North Tonawanda →Best Credit Card Rates in North Tonawanda →All Credit Unions in North Tonawanda →

Member Reviews

4.5

143 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

patti hanes

4 months ago

The people at the credit union are the absolute best. When I have questions, and believe me when I say, I have a lot, they go out of their way to find the answers! Maria has helped me through so many things!! I have never had a problem with any one of the girls there!!

Jeff Ross

4 months ago

My experience with NRFCU has been excellent. It has all the convenience of the big banks but the people know your name and care. They have a great crew, I highly recommend!

Dana Farrell

4 months ago

I went in to this location because I needed a personal loan for school. They were AMAZING. Extremely professional and I had my loan the same day. I would reccomend this credit union to anyone! 10/10

Lisa Boyd

4 months ago

I have been with NRFCU for over 30 years and have always had great customer service and all my banking needs met. I highly recommend joining if you’re looking for a friendly, local banking institution.

Norma Rosa

4 months ago

Friendly people who help you with all your financial needs. We were able to to open up our account and get a home equity loan quickly and easily with their help!