Loans from GNFCU

Greater Niagara FCU offers a wide variety of loans at attractive rates to fit your budget.

Loan calculator

Flexible Payments and Terms to Fit Your Needs.

Refinance Loans

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 in your pocket.

Apply for a loan!

Vehicle Loans

  1. Auto Loans
  2. Purchasing a vehicle is an exciting experience but it can become stressful to find affordable financing. With Greater Niagara FCU it doesn't have to be! We offer new and used vehicle loans with flexible terms and will finance up to 100% of the purchase price.

  3. Credit Builder Auto Loans
  4. This loan was designed for those with limited or no credit including our young members who haven't had a chance to build credit yet. The Credit Builder Auto Loan helps you work toward building a solid credit history while getting you into an affordable vehicle.

  5. Enterprise
  6. GNFCU car loan

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

    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, buy from Enterprise Car Sales and finance through Greater Niagara FCU.

    Ask a loan officer for more information.

  7. Boat & RV Loans
  8. We understand the need for speed on the water and the urge to travel the country. That's why we offer financing for boats and recreational vehicles at an affordable rate.

    Apply today!

VISA Credit Card

With the following features, our VISA Credit card will quickly become a front runner in anyone's wallet.


  •   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

  • scoredcard 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.

Apply for a VISA credit card!

Personal Loans

  1. Unsecured Personal Loans
  2. 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.

  3. Share Secured Loans
  4. Make your money work for you! With a Share Secured loan, your savings are used as collateral for any personal loan need.

Fixed Home Equity Line-of-Credit

With a Home Equity Line-of-Credit you use the equity in your home to help you finance home improvements, family vacations, education — anything at all! Plus the interest you pay may be tax deductible. See your tax professional for details.


  •   $125.00 application fee reimbursed upon closing
  •   Member is responsible for all closing costs

Please apply at Military Rd or Ward Rd

First Mortgages

Greater Niagara Federal Credit Union offers a full range of competitive first mortgage products to purchase homes, or refinance with or without additional cash out. We offer a variety of fixed 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 or refinance your home, check with Greater Niagara FCU first.

For current rates and options, call OwnersChoice Funding at their Buffalo branch, 716-839-0701 or visit them on the web at

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

  1. Credit Life and Disability Insurance
  2. 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.

  3. Skip–a–Pay
    •   Choose the month you would like to skip your payment
    •   You may skip your monthly GNFCU loan payment provided none of your GNFCU loans have been delinquent in the past six (6) months and the loan has been on the books for at least (6) months.