Niagara Falls: (716) 297-5944   North Tonawanda: (716) 695-1829

A little bit About Us

A member owned financial institution committed to serving your needs.

Our Mission

“To provide personalized quality financial services that meet the lifetime needs of you and your family.”

Our History

Founded in 1954, Greater Niagara FCU services the personal financial needs of individuals who live, work, worship, attend school or conduct business in Niagara County. We offer the same type of products and services as a bank.

However, the difference between a bank and Greater Niagara FCU is significant, but rather simple.

A bank is owned by stockholders. Therefore a bank must generate profit to pay stockholders.

As a credit union we are owned by our members. When members deposit money into their credit union savings and investments accounts, that money can then be used to meet the borrowing needs of other members. So basically our members work together to support the needs of all members, applying our basic philosophy of People Helping People. Because Greater Niagara FCU does not need to generate income to pay stockholders, the excess money earned is returned to members in the form of higher rates for savings and lower rates for loans!

The Market We Serve

Anyone who lives, works, worships, attends school or conducts business in Niagara County may take advantage of the money saving products and services we offer. And, once you become part of Greater Niagara FCU, you, and your family members, will continue to have full access to all we offer, regardless of whether you move, change jobs, or retire.

If you have any questions, please give us a call at 716-297-5944 or 716-695-1829 or send an email to

To become a member stop by our office at 2901 Military Rd, Niagara Falls or 160 Ward Rd, North Tonawanda or apply on line. 

Board of Directors

Unlike a Bank, who compensates their Board of Directors, credit unions, including ours, serve on an uncompensated, volunteer basis. As such, their only incentive is to position the credit union to meet the needs of members, no other, and oversee the financial stability of operations to protect the money of members. We are proud of those who lead Greater Niagara FCU. Our current Board members are:

George Lodick IIIChairperson
Sondra GraceVice Chairperson
 Janelle ZasuchaSecretary
Louis SalciccioliTreasurer
Edward Hayes IIIDirector
Michael BalentDirector
Austin TylecDirector

We also have a Supervisory Committee, comprised of five volunteers who each serve a three year term and serve as an oversight committee responsible for:

  •   Monitoring board and management activities
  •   Providing for financial statement audits
  •   Conducting annual member account verifications
  •   Verifying compliance with policies, procedures, rules and regulations
  •   Monitoring the internal control environment

Meet our Staff

Janelle ZasuchaCEO
Maggie WilmoreEVP
Jennifer GrierMarketing Manager
Maria MyersNT Branch Manager
Michelle AbelAccounting Specialist
Mary McNallyHead Teller – NF
Katy ThompsonHead Teller – NT
Melinda FerrioLoan Officer
Rachel MaloneCard Specialist & New Accounts
Monica GrierGraphic Designer

Schedule of Fees

Share Draft Account FeesFee Amount
NSF$25 / item
Returned Item$25 / item
Stop payment $25 / item
Check withdrawal from shares$5 / item
Other Service FeesFee Amount
Items sent for collection
$25 / item
Certified check$25 / check
Money order$1 / $100
Wire transfer outgoing$25
Visa gift card$3
Debit card replacement$15
Account reconciliation$30 / hour
Account research$30 / hour
Deposited item return$25 / item
Deposited item return$25 / item
Dormant account$2/month after 3 years or remainder of account if under required Membership Balance
Photocopy$1 / copy
non-notification of address change$10 / month
Statement copy$1 / page
Account activity printout$1 / page
Check protest$25 / check
Foreign item processing $10 / item
Stop payment$25 / item
Closed account fee$10 (or balance if lower) if closed within 90 days of opening
Bill pay$5 / month after 3 months of non-use
Loan late fee$25 after 5 days
Share ValueFee
Per value of one share$5