WHAT MAKES CREDIT UNIONS SO UNIQUE?
Credit Unions are unique because we are not-for-profit institutions who are owned by our members. Unlike a bank, who are strictly profit-driven, the Niagara Regional FCU returns earnings to our members in the form of low interest loans, higher yields on savings and more personable service. When visiting our Credit Union, you will not be addressed as "next", you will be greeted with a smile and offered a chair to sit in to transact your business in a private, amiable setting.

WHO IS NIAGARA REGIONAL FCU?
The Niagara Regional Federal Credit Union was chartered in may 1939 by a small group of teachers who had the need and foresight to establish a not-for-profit financial institution owned by its members. From these humble beginnings, the founders probably could not conceive that their seedling, restricted to just savings and loans, would blossom into a 9 million-dollar institution, offering a whole array of financial services to its members.

This did not happen by accident. Many dedicated volunteers and leaders with vision moved the Credit Union from a paper and pencil enterprise located in a variety of rented locations, to a fully computerized business operating out of its own building. Our field of membership increased from only North Tonawanda School District employees to include employees of most of the private schools in town: St. Mark Lutheran, St. Paul Lutheran, St. Matthew Lutheran and First Baptist Christian Schools. We have also added new additions to our membership base and welcome the Starpoint School District, Ivoclar Vivadent Employees and Sportsplex empolyees. While expanding, our Credit Union has maintained its focus to service our members in the most efficient manner while retaining the personable service you will find at our office. Your company can join our family and start benefiting from our wide range of services (at no or low fees), too! Just send us a letter on company letterhead and we'll get in touch to make the arrangements!

At present, our Credit Union employs six people. We benefit more than seventeen hundred members and have assets exceeding $13,000,000. We look forward to increasing the number of services offered members through our web site.

IS THE CREDIT UNION SAFE?

• Your funds are insured to at least $100,000 and backed by the full faith and credit of the United States Government.
• We have assets of $13,000,000
• Our Capital ratio is 15%, which makes us one of the soundest financial institutions in Western New York.