--- title: "Niagara Falls A F Credit Union Rates (Nov 2026): Mortgage 7.28%" description: "Niagara Falls A F Credit Union rates today: 30 year fixed mortgage 7.28% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Niagara Falls A F Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/niagara-falls-a-f" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Niagara Falls A F Credit Union Rates (Nov 2026): Mortgage 7.28% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | Niagara Falls A F Credit Union mortgage rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Youth Account** savings | — APY | 0.20% | — | Eligibility restricted | | **$5,000.00 - $25,000** savings | — APY | 0.30% | — | Standard | | **Over $25,000** savings | — APY | 0.45% | — | Standard | Niagara Falls A F Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **A+- 4.24%** other | — % | 5.240% | — | Standard | | **A+ $8,000** other | — % | 8.450% | — | Standard | | **A- $8,000** other | — % | 9.450% | — | Standard | | **B- $7,000** other | — % | 9.950% | — | Standard | | **C- $5,000** other | — % | 13.950% | — | Standard | | **D- $2,500** other | — % | 16.490% | — | Standard | Niagara Falls A F Credit Union other rates as of November 12, 2026 As of November 12, 2026, Niagara Falls A F Credit Union offers a 30-year fixed mortgage at 7.281% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/niagara-falls-a-f) , verified from [Niagara Falls A F Credit Union's official website](http://www.niagarafallsafcu.com/) Best product position **Room to improve vs. the New York median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.28% | Room to improve vs. the New York median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Niagara Falls A F Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=niagara-falls-a-f&state=new-york&code=NY&name=Niagara%20Falls%20A%20F%20Credit%20Union) Loading branch locator… ## About Niagara Falls A F Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.7K Assets $21.3M Founded 1955 Locations reported 2 NCUA charter 10613 Charter type Federal credit union ### Services and member support - Online membership application - Electronic statements - Mobile check deposit - Mobile payments - 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's Choice** Sawyer Drive · Niagara Falls · NY · 14304 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/niagaras-choice) [**Encompass Niagara** Encompass Niagara Federal Credit Union · Niagara Falls · NY · 14304 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/encompass-niagara) [**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 Niagara Falls A F Credit Union Membership eligibility from Niagara Falls A F Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Niagara Falls A F Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer 914th Air Wing, 107th Air National Guard, Full time base contracted employees, Falcon Club employees, Buffalo Army Corp. of Engineers Verified from [Niagara Falls A F Credit Union's membership page](https://www.niagarafallsafcu.com/about-us-2/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Niagara Falls A F Credit Union Employers 5 · Military 2 · Family 7 14 published paths to membership, last verified August 27, 2026, quoted from Niagara Falls A F Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of 914th Air Wing “Membership eligibility is available to all employees of: 914th Air Wing” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Employee of 914th Air Wing - Employee of 107th Air National Guard “107th Air National Guard” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Employee of 107th Air National Guard - Employee of Full time base contracted employees “Full time base contracted employees” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Employee of Full time base contracted employees - Employee of Falcon Club employees “Falcon Club employees” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Employee of Falcon Club employees - Employee of Buffalo Army Corp. of Engineers “Buffalo Army Corp. of Engineers” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Employee of Buffalo Army Corp. of Engineers ### Military 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Military affiliation “All branch’s of the military (active/retired)” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Military: active duty - Military affiliation “All branch’s of the military (active/retired)” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Military: veterans ### Family 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, grandchild, sibling, parent, grandparent “Membership is also available for: Spouses of members Children of members Grandchildren of members Brothers and sisters of members Parents of members Grandparents of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (spouse, child, grandchild, sibling, parent, grandparent) of a member - Family of a member spouse “Spouses of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (spouse) of a member - Family of a member child “Children of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (child) of a member - Family of a member grandchild “Grandchildren of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (grandchild) of a member - Family of a member sibling “Brothers and sisters of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (sibling) of a member - Family of a member parent “Parents of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (parent) of a member - Family of a member grandparent “Grandparents of members” > [source ↗](https://www.niagarafallsafcu.com/about-us-2/membership/) - Family member (grandparent) of a member 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 Niagara Falls A F Credit Union? Yes No ## Work at Niagara Falls A F 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 Niagara Falls A F Credit Union ranks against New York peers. - See which AI assistants fetched Niagara Falls A F 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=niagara-falls-a-f&state=new-york&code=NY&name=Niagara%20Falls%20A%20F%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Niagara Falls A F Credit Union offer? Niagara Falls A F Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Niagara Falls A F Credit Union rates updated? RateAPI verifies Niagara Falls A F Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Niagara Falls A F Credit Union's rate data? Rate data is collected directly from Niagara Falls A F Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Niagara Falls A F Credit Union's mortgage rate? As of November 12, 2026, Niagara Falls A F Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### Who can join Niagara Falls A F Credit Union? Niagara Falls A F Credit Union publishes its membership criteria on its own website. RateAPI tracks 14 published membership paths covering 5 employers and 2 military for Niagara Falls A F Credit Union, each quoted from Niagara Falls A F Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Niagara Falls A F Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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](http://www.niagarafallsafcu.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 Niagara Falls A F 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 Niagara Falls A F Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /niagara-falls-a-f " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Niagara Falls A F Credit Union locations Search, filter, and browse all 2 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/niagara-falls-a-f Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp