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Mastercard
Our MasterCard® rate is based on
your credit score and starts
as low as 8.9% APR*. You won't
pay annual fees or huge
transaction fees with this card,
and your rate won't fluctuate
with the weather. Plus, with
every purchase, you'll receive
rewards points that can be
exchanged for gifts and travel
through the MasterCard
ScoreCard
(Link).
Debit Card
Use your debit card at any
merchant that accepts MasterCard
transactions. The MasterCard also acts as an ATM Card.
ATM Card
Checking account members can receive an ATM Card.
Gift Card
The
credit union also offers gift
cards from $10.00 to $500.00 for
only $2.00.
*All loans
subject to application and loan
approval. Rate based on credit
history and is subject to change
without notice.
Some restrictions may apply.
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Get Started Early
Your Credit Union is a great
place to begin handling financial
responsibilities.
We can help
with all of your "financial
firsts", including your first
Debit Card, Credit Card, and
Checking Account. Call us or
stop by and we'll get you
started. We can also help with
Student/Parent Education Loans
and Consolidation Loans. And
don't forget about our Annual
Scholarship Awards!
Never Too Young
Parents and grandparents can start teaching financial
responsibility early on by making sure everyone in the
family becomes a member and has at least a basic Savings
Account.
Universal Sharing
When your travel,
Niagara's Choice members can use any one of over 4,300 other
participating Shared Service Center Credit Unions. For a
list of Credit Unions click the underlined link above.
Pocket the Green
For back issues click the link.
Big Green Newsletter
Link to the Credit Union's Youth Newsletter.
Puzzle Game
Link to a puzzle game. |
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Auto
Loan Rates
Whether it's your
first car or your dream car, we
can help put you behind the
wheel. Be sure to talk to our
Emerling Agent
for the best credit union
insurance rates.
Credit Union Online Auto Buying Tools
EMS Group Auto
Insurance
Cars For Sale at the Credit Union |
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Your Credit Score
Here are some
tips for a healthy credit score:
- Build on a long
history of on-time payments.
- Don't max out
your credit lines. It's better
to use part of your available
credit on a few accounts than
all of your available credit on
just one account.
- Keep card balances low, and
pay off debt rather than moving
it between cards.
- Don't open or close accounts
as a strategy to raise your
score. Or, if you have more open
credit accounts than you want,
close the newest ones and keep
long-standing ones open.
- When loan shopping, submit
applications in a limited time.
If you're shopping for a car
loan, say, and visit five
dealers in three weeks, those
five inquiries will count as one
inquiry to a potential lender
looking at your report.
- Check your three credit
reports, for free, once each
year (one every four months)
and contact the creditor and the
credit bureau to correct any
errors.
Useful Links:
Annualcreditreport.com
Loan Rates
Savings Rates
CU Discounts
Loan Calculator
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Financial
Advice
The "Financial Guys" from NEXT
Financial are here to help you
answer your wealth-building
questions. You can meet with Jim
Primiano on Thursday afternoons
at any one of our three
branches, or you can schedule
another time or location if
needed. Please call Jim directly
at 716-633-1515
to make your appointment.
IRA Rates
Members may make regular
deposits to various IRA accounts
up to the maximum permitted by
law. The minimum opening deposit
is only $5. We cannot give tax
advice or advise you as to your
eligibility for the IRA. Please
see your tax advisor for this
information prior to opening the
account.
CD Rates
Loan Calculator |
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Use Twitter to
keep in touch by sending and
reading messages. Sign on to
Twitter.com and choose a
username and password. You'll be
ready to "tweet" your own
messages and become a "follower"
of your favorite people and
businesses. Once you log in, you
can follow Niagara's Choice by
clicking on the "Find People"
button at the top of the page
and typing in "Niagara."
New Facebook page coming soon...
CU Calendar
Updated Soon... |
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Links to Previous Newsletters
October 2009
July 2009
April 2009 |
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