SHARE SAVINGS
establishes your membership and makes you a part owner of Niagara Regional Federal Credit Union. Dividends are earned based on the average daily balance method. Share accounts earn dividends on balances of $100.00 or more. Statements are mailed to each member quarterly. You can make deposits through the mail, night deposit (no cash please), or by visiting our office!

VACATION CLUB ACCOUNTS
This is a great way for everyone (especially 10 month employees) to save for summer! These accounts are paid dividends on a quarterly basis and are automatically transferred to the share account on July 1st.

HOLIDAY CLUB ACCOUNTS
open one of these and you'll be stress-free for the Christmas season! Quarterly dividends are earned and the account balances are automatically transfered to the shares account on October 1.

TAX SAVER CLUB
tax season won't look so bad when you have one of these accounts to help save for the times of year when the tax man comes calling! When your bill arrives, just bring it by and we'll make the check out for you - it's that simple! If you want to save for your homeowner's insurance as well, or even water bills, you can do that also!

CERTIFICATE ACCOUNTS
feature a low minimum balance of $1,000 and offer 1 year terms, as well as two year terms. Dividends are paid at maturity and a 1/4% higher interest rate applies when automatically renewed. There is a penalty of 30 days interest for early withdrawal.

INDIVIDUAL RETIREMENT ACCOUNTS
Start investing for your future with an IRA. Our certificates begin with a low $1000.00 initial investment. You may contribute to them at maturity each year. IRA Certificates mature yearly and also offer a 1/4% increase in renewal rate. There is a penalty of 30 days interest for early withdrawal.

DEPOSIT INSURANCE
Deposits at NRFCU are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to a combined total of $100,000.00. This fund is administered by the National Credit Union Association (NCUA), an agent of the Federal Goverment.

LOAN PROTECTION
The Credit Union carries CUNA Mutual Loan Protection Insurance on most loans at no cost to the member. Based on age, a death benefit of up to $30,000 on all loans is provided.

CHECKING/SHAREDRAFT
Our sharedraft accounts offer a wide variety of benefits and NO FEES! Some of these benefits include:

• No minimum balance
• ATM machine located in our lobby and is opened during business hours - with no surcharge!!
• No usage fee MasterCard debit card which allows you access to your checking account through thousands of merchants worldwide. It also functions as your ATM card. As an added bonus, your account is monitored for worldwide fraudulent activity through our neural network 24 hours a day, 7 days a week!
• Deposits can be made through payroll deduction (if your employer offers it), Point of Banking locations (usually located at most supermarkets in the area), by mail, or in person.
• Free checks - your initial introductory order of 50 checks are free. We also offer on-line reordering of your checks through clarkeamerican.com
• Dividends are earned on balances over $2000.00 and are computed on the average daily balance method.
• ATM withdrawals up to 5 each month - those with payroll deduction of their entire paycheck (net) receive 10 free withdrawals per month. After, a small transaction fee will be assessed.
• Overdraft Protection for qualified members
• Pre-Authorized payments from outside sources with no fee
• Free American Express Traveler's Cheques (cheques for 2 at a reduced fee)
• No per check charge
• Click here for locations to no-surcharge ATM's
  

NOTARY PUBLIC SERVICE
This service is provided at no cost to members. Available during normal office hours.

Notice: Dividends are based on the credit union's earnings at the end of a dividend period and can not be guaranteed.

For rates on the above accounts, refer to our rates page.