--- title: "Niagara-Wheatfield Credit Union Rates - New York" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Niagara-Wheatfield Credit Union in New York. Updated daily with source verification. See who can join Niagara-Wheatfield Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/niagara-wheatfield" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Niagara-Wheatfield Credit Union Rates - New York ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicles up to 36 months** auto_any_36mo | — APR | 3.990% | 36 mo · any | Standard | | **New & Used Vehicles up to 84 months** auto_any_84mo | — APR | 5.250% | 84 mo · any | Standard | | **RV Loan** rv | — APR | 7.000% | — | Standard | Niagara-Wheatfield Credit Union auto & vehicle rates as of November 9, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.350% | — | Standard | Niagara-Wheatfield Credit Union heloc rates as of November 9, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.500% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 10.000% | — | Standard | Niagara-Wheatfield Credit Union personal loan rates as of November 9, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Master card** credit_card | — APR | 8.900% | — | Standard | Niagara-Wheatfield Credit Union credit card rates as of November 9, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **$5.00-$3,000.00** savings | — APY | 0.10% | — | Standard | | **$3,000.01 And Over** savings | — APY | 0.15% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 0.20% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 0.30% | 24 mo | Standard | Niagara-Wheatfield Credit Union savings & cd rates as of November 9, 2026 Niagara-Wheatfield Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/niagara-wheatfield) , verified from [Niagara-Wheatfield Credit Union's official website](https://www.nwfcuanytime.com/) Loading branch locator… ## About Niagara-Wheatfield Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.8K Assets $21.5M Founded 1960 Locations reported 2 NCUA charter 14040 Charter type Federal credit union ### Services and member support - Electronic statements - 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. [**Alliance Niagara** NCCC - Main office · Sanborn · NY · 14132 About 0.4 miles away](https://rateapi.dev/credit-unions/new-york/alliance-niagara) [**Niagara Falls A F** Niagara Falls Air Force FCU · Niagara Falls · NY · 14304-5066 About 3.5 miles away](https://rateapi.dev/credit-unions/new-york/niagara-falls-a-f) [**Greater Niagara** Greater Niagara FCU · NIAGARA FALLS · NY · 14304-1251 About 4.6 miles away](https://rateapi.dev/credit-unions/new-york/greater-niagara) [**Niagara's Choice** Sawyer Drive · Niagara Falls · NY · 14304 About 4.9 miles away](https://rateapi.dev/credit-unions/new-york/niagaras-choice) [**Ontario Shores** Ontario Shores FCU Pendleton · Lockport · NY · 14094 About 5.9 miles away](https://rateapi.dev/credit-unions/new-york/ontario-shores) [**Encompass Niagara** Encompass Niagara Federal Credit Union · Niagara Falls · NY · 14304 About 6.0 miles away](https://rateapi.dev/credit-unions/new-york/encompass-niagara) 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-Wheatfield Credit Union Membership eligibility from Niagara-Wheatfield Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Niagara-Wheatfield Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Holy Ghost Lutheran Church, Hutchins Angert Voss Manufacturing Inc., St. Peters Lutheran School, Franklin Traffic Service Inc., Shipman Printing Industries, Rivershore Inc., TPB Enterprises, NETP Inc., Rhoney Funeral Home, Sisson Building Supplies Inc., D.F Calkins Lumber Inc., Uncle Sam’s Antiques, Sanborn Greenhouses, Matrix Imaging Solutions, Bridgestone APM Company, I.B.E.W Local 237 Verified from [Niagara-Wheatfield Credit Union's membership page](https://www.nwfcuanytime.com/about.htm) . Final membership determination is always made by the credit union. ## Membership rules for Niagara-Wheatfield Credit Union Employers 16 · Family 17 published paths to membership, last verified November 8, 2026, quoted from Niagara-Wheatfield Credit Union’s own published criteria. ### Employers 16 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Holy Ghost Lutheran Church “Holy Ghost Lutheran Church” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Holy Ghost Lutheran Church - Employee of Hutchins Angert Voss Manufacturing Inc. “Hutchins Angert Voss Manufacturing Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Hutchins Angert Voss Manufacturing Inc. - Employee of St. Peters Lutheran School “St. Peters Lutheran School” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of St. Peters Lutheran School - Employee of Franklin Traffic Service Inc. “Franklin Traffic Service Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Franklin Traffic Service Inc. - Employee of Shipman Printing Industries “Shipman Printing Industries” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Shipman Printing Industries - Employee of Rivershore Inc. “Rivershore Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Rivershore Inc. - Employee of TPB Enterprises “TPB Enterprises” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of TPB Enterprises - Employee of NETP Inc. “NETP Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of NETP Inc. - Employee of Rhoney Funeral Home “Rhoney Funeral Home” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Rhoney Funeral Home - Employee of Sisson Building Supplies Inc. “Sisson Building Supplies Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Sisson Building Supplies Inc. - Employee of D.F Calkins Lumber Inc. “D.F Calkins Lumber Inc.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of D.F Calkins Lumber Inc. - Employee of Uncle Sam’s Antiques “Uncle Sam’s Antiques” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Uncle Sam’s Antiques - Employee of Sanborn Greenhouses “Sanborn Greenhouses” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Sanborn Greenhouses - Employee of Matrix Imaging Solutions “Matrix Imaging Solutions” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Matrix Imaging Solutions - Employee of Bridgestone APM Company “Bridgestone APM Company” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of Bridgestone APM Company - Employee of I.B.E.W Local 237 “I.B.E.W Local 237” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Employee of I.B.E.W Local 237 ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member Parent, grandparent, Spouse, Child, Grandchild, Aunt, Uncles, sibling “We also expanded our definition of immediate family to include, Parent, Grandparents, Spouse, Child, Grandchild, Aunt, Uncles, & Siblings.” > [source ↗](https://www.nwfcuanytime.com/about.htm) - Family member (Parent, grandparent, Spouse, Child, Grandchild, Aunt, Uncles, sibling) 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-Wheatfield Credit Union? Yes No ## Work at Niagara-Wheatfield 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-Wheatfield Credit Union ranks against New York peers. - See which AI assistants fetched Niagara-Wheatfield 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-wheatfield&state=new-york&code=NY&name=Niagara-Wheatfield%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Niagara-Wheatfield Credit Union offer? Niagara-Wheatfield Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 9, 2026 directly from the credit union's official website. ### How often are Niagara-Wheatfield Credit Union rates updated? RateAPI verifies Niagara-Wheatfield Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 9, 2026. ### Where does RateAPI get Niagara-Wheatfield Credit Union's rate data? Rate data is collected directly from Niagara-Wheatfield 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 Niagara-Wheatfield Credit Union? Niagara-Wheatfield Credit Union publishes its membership criteria on its own website. RateAPI tracks 17 published membership paths covering 16 employers for Niagara-Wheatfield Credit Union, each quoted from Niagara-Wheatfield Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Niagara-Wheatfield 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 HELOC rate leaders](https://rateapi.dev/heloc-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) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.nwfcuanytime.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-Wheatfield 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-Wheatfield Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /niagara-wheatfield " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Niagara-Wheatfield 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-wheatfield Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp