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

Auto Loans / Personal Loans / Credit Cards

Greater Niagara FCU in Niagara Falls and North Tonawanda, NY offers a wide variety of loans at attractive rates to fit your budget. Already have an auto loan with another financial institution? Talk with one of our loan officers about refinancing with us. See how much money you could save with Greater Niagara FCU. (You must be 18 years of age or older to apply for a loan)

Vehicle Loans

Auto Loans

Purchasing a vehicle is an exciting experience but it can become stressful when you try to find the right financing for you.

With Greater Niagara FCU it doesn’t have to be! We offer new and used vehicle loans with flexible terms to fit your lifestyle. Greater Niagara FCU will finance up to 100% of the purchase price plus title, taxes, fees and warranty for a new vehicle OR 100% of the NADA retail value, including an allowance for mileage and options plus title, taxes, fees and warranty for a used vehicle. If you already have an auto loan with another financial institution, talk to one of our loan officers to see if refinancing your loan with us can save you money.

Credit Builder Auto Loans

No Credit or Bad Credit?  Don’t let past mistakes discourage you from applying for your next auto loan!  You may not look great on your credit report but that does not mean you won’t qualify for an auto loan with us.  Let us help you get the right auto loan for you and help rebuild your credit.

Enterprise Car Sales

Enterprise Car Sales is a trusted partner of Greater Niagara FCU.

New, used or refinanced auto loan

Located at 6755 Transit Road in East Amherst, they are a different kind of car dealer with simple pricing, professional people and a low-pressure sales approach. All vehicles for sale sold by ECS include a 109 Point Vehicle Inspection, a 7-day Repurchase Agreement, 12/12 Limited Powertrain Warranty, and One Year Roadside Assistance Program.

For a great deal on your next vehicle purchase, try buying from our trusted partner, Enterprise Car Sales . They can help make your auto buying experience as easy as possible when you buy from Enterprise Car Sales and finance through Greater Niagara FCU. Ask a loan officer for more information:

Boat & RV Loans

We understand the need for speed on the water and the urge to travel our beautiful country. That’s why we offer financing for boats and recreational vehicles at an affordable rate. With terms up to 15 years, we can help make your recreation dreams come true. Stop in before you go shopping and be preapproved for your boat loan or RV / camper loan. This can help to ensure that you are purchasing a new or used boat or RV at a price that will let you enjoy it without feeling financially strapped.

Refinance Loans

Refinancing an auto loan, boat & RV loan, personal loan, Home Equity Line of Credit or mortgage can often be an easy way to save money. If you currently have a loan with another financial institution, you may be able to refinance that loan with Greater Niagara FCU. We specialize in working with our members to find a loan at the best rate with terms to fit your needs and put some extra money back in your pocket. Our knowledgeable loan officers are available to help you through the entire process.
To refinance a loan, you will need to speak with a loan officer to determine the specific information we might need to complete the loan. Usually this is current photo ID and 2 recent pay stubs. E-mail for all the information you need for your first meeting.
To refinance your mortgage, contact our trusted partner OwnersChoice Funding

VISA Credit Card

A Greater Niagara FCU VISA credit card is a must for every wallet. The following features are some of the reasons why it will quickly become your first choice for credit cards.

  •   Low Non-Variable Rates for Purchases and Cash Advances
  •   No Annual Fee
  •   No Cash Advance Fee
  •   No Balance Transfer Fee
  •   Share Secured Option
  •   Easy Account Access with
  •   ScoreCard Rewards

You can receive 500 Bonus Points the first time you log into the ScoreCard Rewards website. Visit and register. It is simple, easy and you can redeem points for great merchandise and travel awards! You will also receive 500 Bonus Points on the anniversary of your card account open date. Scorecard points are easy to get: $1.00 = 1 point. It’s that easy!

Eligibility based on credit worthiness

Starting out Starting over Visa Credit Card

Personal Loans

At some point in our lives, most of us will need a personal loan. It may be to consolidate debt, an unexpected expense or a planned adventure of a life time. Greater Niagara FCU will be there when you need personal loan. There are 2 types of personal loans that we offer to our members:

Unsecured Personal Loans

With our low competitive rates and terms, our unsecured loan is perfect for any worthwhile purpose. Whether it is for a minor home improvement, vacation, or credit consolidation we’ve got you covered.

Share Secured Loans

Make your money work for you! With a Share Secured loan, your savings are used as collateral for your personal loan.  This is also a great way to establish credit or improve your credit score by simply making regular payments.

Student Loan

For college expenses not covered by scholarships and federal loans, Greater Niagara FCU has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Click here to apply and learn more details

Other Products

Credit Life and Disability Insurance

In the event of a tragedy, your family will have enough to worry about without the added burden of paying your credit union loans. At Greater Niagara FCU we offer our members several options to purchase insurance to help protect their investment and their family.
Credit Life Insurance can reduce or pay off your credit union loans in the event of death.
We also offer our members Credit Disability Insurance which will pay 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.


Even with the best budget in place, unexpected expenses do happen. Sometimes it’s the holidays that catches us unprepared or an unexpected expense. When this happens contact us to see if you are eligible to participate in our Skip-a-Pay.
• Choose the month you would like to skip your payment
• You can use Skip-a-pay 1 time per year for a maximum of 3 times during the lifetime of the loan
• You may skip your monthly Greater Niagara FCU loan payment provided none of your Greater Niagara FCU loans have been delinquent in the past six (6) months and the loan has been on the books for at least (6) months.
• Processing fee does apply

Visit one of our branches to learn more about Skip-a-Pay