--- title: "Encompass Niagara Credit Union Rates - New York" description: "Current vehicle loan, personal loan, and savings & cd rates from Encompass Niagara Credit Union in New York. Updated daily with source verification. See who can join Encompass Niagara Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/encompass-niagara" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Encompass Niagara Credit Union Rates - New York ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **NEW Car and motorcycle** motorcycle_new | — APR | 4.240% | new | Standard | | **New RV Loan** rv_new | — APR | 7.500% | new | Standard | | **Used RV Loan** rv_used | — APR | 7.750% | used | Standard | Encompass Niagara Credit Union auto & vehicle rates as of November 3, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Full Savings (Secured)** personal_secured | — APR | 4.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.500% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.000% | — | Standard | Encompass Niagara Credit Union personal loan rates as of November 3, 2026 ### Savings & CD rates 7 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** cd_6mo | — APY | 3.25% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.60% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.60% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.85% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.10% | 60 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.10% | 18 mo | Standard | Encompass Niagara Credit Union savings & cd rates as of November 3, 2026 Encompass Niagara Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/encompass-niagara) , verified from [Encompass Niagara Credit Union's official website](https://encompassniagara.com/) Loading branch locator… ## About Encompass Niagara Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.8K Assets $24.1M Founded 1934 Locations reported 1 NCUA charter 24873 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Greater Niagara** Greater Niagara FCU · NIAGARA FALLS · NY · 14304-1251 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/greater-niagara) [**Niagara Falls A F** Niagara Falls Air Force FCU · Niagara Falls · NY · 14304-5066 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/niagara-falls-a-f) [**Niagara's Choice** Sawyer Drive · Niagara Falls · NY · 14304 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/niagaras-choice) [**Niagara Falls Teachers** Niagara Falls Teachers' Federal Credit Union · Niagara Falls · NY · 14304-3150 About 2.8 miles away](https://rateapi.dev/credit-unions/new-york/niagara-falls-teachers) [**Niagara-Wheatfield** MAIN OFFICE · SANBORN · NY · 14132 About 3.0 miles away](https://rateapi.dev/credit-unions/new-york/niagara-wheatfield) [**Cornerstone Community** Niagara Falls · Niagara Falls · NY · 14305 About 3.7 miles away](https://rateapi.dev/credit-unions/new-york/cornerstone-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Encompass Niagara Credit Union Membership eligibility from Encompass Niagara Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Encompass Niagara Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Niagara — NY Verified from [Encompass Niagara Credit Union's membership page](https://encompassniagara.com/) . Final membership determination is always made by the credit union. ## Membership rules for Encompass Niagara Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Niagara County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Niagara County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Encompass Niagara Credit Union? Yes No ## Work at Encompass Niagara Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Encompass Niagara Credit Union ranks against New York peers. - See which AI assistants fetched Encompass Niagara Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=encompass-niagara&state=new-york&code=NY&name=Encompass%20Niagara%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Encompass Niagara Credit Union offer? Encompass Niagara Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 3, 2026 directly from the credit union's official website. ### How often are Encompass Niagara Credit Union rates updated? RateAPI verifies Encompass Niagara Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 3, 2026. ### Where does RateAPI get Encompass Niagara Credit Union's rate data? Rate data is collected directly from Encompass Niagara Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Encompass Niagara Credit Union? Encompass Niagara Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Encompass Niagara Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Encompass Niagara Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://encompassniagara.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Encompass Niagara Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Encompass Niagara Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /encompass-niagara " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Encompass Niagara Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/encompass-niagara Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp