Savings Accounts


The Share (Savings) Account 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! 


Share Account Rates*

All rates are accurate and effective as of February 24th, 2017

Amount APY*
<$5,000 0.10%
$5,001-$10,000 0.15%
$10,001+ 0.25%

*$100 minimum balance is required to earn a dividend. Dividends are earned on the average daily balance and paid quarterly. Rates quoted are anticipated to be paid on March 31st, 2014, but may change. APY is subject to change monthly without notice at the discretion of the Board of Directors. Fees may reduce earnings.


Share Draft Rates*

All rates are accurate and effective as of February 24th, 2017

Amount APY*
Average Daily Balances > $2000 0.08%

* Dividends are earned on the average daily balance and paid monthly. Minimum average daily balance required to earn a dividend is $2,000. Fees may reduce earnings. Rates quoted are anticipated to be paid on the last day of the month. APY is subject to change monthly without notice at the discretion of the Board of Directors. APY may change after account is opened.