Credit union · NCUA insured
Niagara Falls Air Force Federal Credit Union
A $21.3M credit union headquartered in Niagara Falls, NY, with 1,678 members and 1 branch in New York. Best rates: CDs 1.20% and savings 0.30% APY.
Niagara Falls Air Force Federal Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#38 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Niagara Falls Air Force Federal Credit Union
Chartered in 1955, Niagara Falls Air Force Federal Credit Union is a member-owned, not-for-profit financial institution.
The credit union operates from its headquarters in Niagara Falls, New York.
- Headquarters
- 2420 Olmstead St, Niagara Falls, NY 14304-5066
- NCUA charter
- 10613
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full time base contracted employees are eligible for membership.
- Falcon Club employees are eligible for membership.
Military, government and schools
- Employees of the 107th Air National Guard are eligible for membership.
- Employees of the 914th Air Wing are eligible for membership.
- Employees of the Buffalo Army Corp. of Engineers are eligible for membership.
- Members of all branches of the military (active or retired) are eligible for membership.
1 more way to join
Family and household
- Spouses, children, grandchildren, brothers and sisters, parents, and grandparents of members are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $5.00 representing the shareholder's interest in the credit union.
Branches
1 branch in New York
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New York
1 branch
- Niagara Falls Air Force FCUMain office2420 Olmstead St, Niagara Falls, NY 14304Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.61% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio11.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Niagara Falls Air Force Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.