Borrow For Less

Our lending process is hassle free and non-intimidating. As an equal-opportunity lender, we are committed to providing credit for all members at the lowest possible cost. While many members have established and maintained an excellent credit record, the Board of Directors and Management of Greater Niagara Federal Credit Union clearly understand that some members have been adversely affected by circumstances beyond their control resulting in their inability to meet financial obligations on a timely basis. Accordingly, Greater Niagara Federal Credit Union will carefully evaluate the loan application of each individual and offer the applicant the best rate possible based on their individual credit worthiness.

Refinance Loans

Refinance and Save! Begin Saving Money Immediately

If you currently have a loan with another financial institution you may refinance that loan with Greater Niagara Federal Credit Union at our lower rate and put some extra money back into the family budget immediately.

Apply for a Refinance Loan

New & Used Vehicle Loans

Greater Niagara Federal Credit Union offers new and used vehicle financing. You can borrow up to 100% of the purchase price, including tax, tags and title) for up to 84 months. Vehicles that can be financed include: cars, vans, light trucks, motorcycles, recreational vehicles, and boats.

Apply for a Vehicle Loan

VISA Credit Card

Greater Niagara Federal Credit Union offers a low fixed rate credit card product with benefits designed to save you money.

Apply for a VISA Credit Card

First Mortgages

Greater Niagara Federal Credit Union offers a full range of competitive first mortgage products purchase money, refinancing with or without cash out. We offer a variety of fixed, variable and adjustable-rate mortgages with flexible terms, all designed to help you comfortably afford to own the home of your dreams. When you're looking to purchase a home, check with your credit union first.

For current rates and options, call CUC Mortgage Corp. at (716) 839-0701
or visit them on the web at www.cucmortgage.com

Home Equity Loans & Second Mortgages

Both fixed rate and variable rate Home Equity and Home Equity Lines-of-Credit.

Home Equity Line-of-Credit: Borrow the amount you need up to the line-of-credit extended to you and pay interest only on the amount you actually borrow. The remainder of your line is left as a "reserve" of money for your future use.

Whichever Home Equity option you choose, these all-purpose loans use the equity in your home to help you finance home improvements, family vacations, continuing education - anything at all! Plus, the interest you pay may be tax-deductible. See your tax professional for details.

Apply for a Home Equity/Second Mortgage Loan

Share (Savings) Secured Signature Loans

Make your money work for you! A Share Secured Signature Loan uses your shares (savings) in Greater Niagara Federal Credit Union as collateral for any personal loan need.

Apply for a Signature Loan

Personal Loan

Borrow up to $10,000 for up to 5 years for any worthwhile purpose, such as a minor home addition, intermediate education tuition expense, special family vacation, etc.

Apply for a Personal Loan

Credit Life and Disability Insurance

In the event of a tragedy, your family would have enough to worry about without the added burden of paying credit union loans. Credit Life Insurance can reduce or pay off your credit union loans in the event of death. Credit Disability Insurance pays your monthly loan payments while you are unable to work during a covered disability.

Credit Life and Disability Insurance plus Accidental Death and Dismemberment Insurance are governed by the consumer-oriented New York State Insurance Department. Because these insurance products are consumer oriented, they are approved and priced at the very best level, giving our members a distinct advantage over other consumers.

Other Products

If you have a need that is not listed, please contact our office.

All loans subject to underwriting.