Credit union · NCUA insured
Niagara's Choice Savings Rates
Top CarrotNiagara's Choice’s best savings rate is 0.05% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Niagara's Choice’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara's Choice has the most branches. $10,000, best rate first.
This credit union’s best
Niagara's Choice
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Niagara's Choice savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Niagara's Choice ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Savings
0.05%APY
A $5.00 deposit establishes your Niagara's Choice account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts.$250 and up | 0.05% | $5 | Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings
0.15%APY
Offers Traditional, Roth, and Coverdell Education accounts. Minimum contribution is $500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts.$250 and up | 0.15% | $15 | Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts. |
Sources (2)
All captured Oct 6, 2026
Christmas/Multi-Purpose
0.05%APY
Must have a regular savings account first. Full balance is transferred to designated regular savings or checking account in October. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts.$250 and up | 0.05% | $5 | Dividend rates compounded daily and credited quarterly to all types of share accounts. A minimum $250.00 balance is required to earn a dividend on all but Youth Accounts. |
Sources (2)
All captured Oct 6, 2026
Who can join Niagara's Choice
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or volunteer in Niagara or Erie County are eligible for membership.
Cost to join
- An optional checking account deposit of $1.00 is available upon joining.
- An initial deposit of $5.00 in a savings account establishes membership.
Membership information collected October 5, 2026.