*****PLEASE NOTE*****

Credit Union office hours are from 10:00 AM - 4:00 PM daily. The credit union will be closed Friday, March 29th & Monday, April 1st for the spring holiday. Also, the credit union will be closed Monday, April 8th for the eclipse as the school district is closed.

ALL withdrawals of $10,000.00 and over require 48 hours notice!
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Membership in the Niagara Falls Teachers Federal Credit Union is open to any employee of the Niagara Falls City School District or the Niagara Falls Police Department. In addition, any immediate or extended family members of those employees are eligible to join our credit union.

The Niagara Falls Teachers Federal Credit Union currently has 1500 members locally as well as some that reside in other parts of the USA.

About CU's

Why people choose us?

Credit unions are not-for-profit cooperatives owned by members, not stockholders. That means their whole reason for being is to assist the financial wellness of their members.

Credit unions provide what people want most in financial services. More than 1.2 million Americans belong to a credit union, and credit unions now have nearly 10 percent of the country’s household savings.

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Rate Board

Savings Rates

*All Share Rates are stated in terms of Annual Percentage Yield (APY)

Certain penalties apply if funds are withdrawn prior to account maturity. Please refer to the "Truth-in-Savings Disclosure" for Share Certificate Accounts for details.


Share Accounts APY* Notes
Regular Shares .05%**

** Regular Shares Dividends paid on accounts of $50.00 or more.

12 month .50% Min. $500 -Max. $50,000
18 month 4.00% LIMITED OFFER
Min. $15,000-Max. $50,000
24 month .50% Min $500-Max. $50,000

Loan Rates

Low Rate Credit Union Loans

Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.

The credit union offers member pay insurance for life & disability for your loans. Please do not be confused with additonal insurances that you may have with others as it does not apply to your loans at NFTFCU.

All Loan Rates are stated in terms of Annual Percentage Rate (APR).

Loan Rates are for qualified members.



As low as 4.50% APR


As low as 5.25% APR


As low as 6.50% APR


As low as 7.00% APR


As low as 5.9% APR

Share Secured

(does NOT receive an additional .25% off for  payroll deduction)
As low as 4.00% APR

Summer/Holiday Loan
with 1year repayment

As low as 5.00% APR

$4800 Loan
for 2 year term

(does NOT receive an additional .25% off for payroll deduction)

3.0% APR

must  have a 680 or above credit score

Visit OwnersChoice Funding for mortgage rates, online application and first time home buyers information.


Volunteer at your Credit Union

Volunteers are very much in need for various committees at the credit union

If you are interested please email us at: volunteers@nftfcu.org or call for additional information.