Encompass Niagara Credit Union
Verified rate book
Current Encompass Niagara Credit Union rates
32 published offers verified as of August 3, 2026.
Mortgage rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.772% APR | 6.625% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.909% APR | 6.500% | — | Standard |
| USDA 30-Year Fixed30 year fixed | 7.037% APR | 6.375% | — | Standard |
| FHA 30-Year Fixed30 year fixed | 7.311% APR | 6.375% | — | Standard |
| 15-Year Fixed15 year fixed | 6.356% APR | 6.250% | — | Standard |
| 20-Year Fixed20 year fixed | 6.946% APR | 6.750% | — | Standard |
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| NEW Car and motorcyclemotorcycle_new | 5.240% APR | 5.240% | new | Standard |
| New RV Loanrv_new | 7.500% APR | 7.500% | new | Standard |
| Used RV Loanrv_used | 7.750% APR | 7.750% | used | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 5.250% APR | 5.250% | — | Standard |
| Home Equity Loans (Primary residence)heloc_fixed | 5.750% APR | 5.750% | — | Standard |
| Home Equity Loans (Secondary residence)heloc_fixed | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Full Savings (Secured)personal_secured | 4.990% APR | 4.990% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 10.240% APR | 10.240% | — | Standard |
| Personal Line of Creditploc_variable | 12.000% APR | 12.000% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VISA New Accountcredit_card | 5.900% APR | 5.900% | — | Standard |
| VISA Balance Transfer Specialcredit_card_balance_transfer | 5.900% APR | 5.900% | — | Standard |
Savings & CD rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 6-Month Certificatecd_6mo | 0.05% APY | 0.05% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 0.10% APY | 0.10% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 0.20% APY | 0.20% | 24 mo | Standard |
| 36-Month Certificatecd_36mo | 0.30% APY | 0.30% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 0.50% APY | 0.50% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 0.70% APY | 0.70% | 60 mo | Standard |
| 6-Month Certificatecd_6mo | 3.15% APY | 3.15% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 3.40% APY | 3.40% | 12 mo | Standard |
| 18-Month Certificatecd_18mo | 3.45% APY | 3.45% | 18 mo | Standard |
| 24-Month Certificatecd_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| 3 Year Jumbo Certificatecd_36mo | 3.50% APY | 3.50% | 36 mo | Standard |
| 4 Year Jumbo Certificatecd_48mo | 3.75% APY | 3.75% | 48 mo | Standard |
| 5 Year Jumbo Certificatecd_60mo | 4.00% APY | 4.00% | 60 mo | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Models (up to 10 years old)other | 6.240% % | 6.240% | — | Standard |
| Used Models (older than 10 years)other | 7.240% % | 7.240% | — | Standard |
As of August 3, 2026, Encompass Niagara Credit Union offers a 30-year fixed mortgage at 6.772% APR. Vehicle loans available from 5.24% APR. HELOC rates from 5.25% APR. Personal loan rates from 4.99% APR. Credit card rates from 5.9% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Encompass Niagara Credit Union's official website
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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. 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.
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Who Can Join Encompass Niagara Credit Union
Membership eligibility from Encompass Niagara Credit Union's own published criteria. How we verify this.
Membership criteria are published on Encompass Niagara Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationNiagara — NY
Verified from Encompass Niagara Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Encompass Niagara Credit Union?
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Frequently Asked Questions
What rates does Encompass Niagara Credit Union offer?
Encompass Niagara Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 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 August 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.
What is Encompass Niagara Credit Union's mortgage rate?
As of August 3, 2026, Encompass Niagara Credit Union offers a 30-year fixed mortgage at 6.772% APR.
What are Encompass Niagara Credit Union's rv & motorcycle loan rates?
As of August 3, 2026, Encompass Niagara Credit Union offers vehicle loans from 5.24% APR.
What is Encompass Niagara Credit Union's HELOC rate?
As of August 3, 2026, Encompass Niagara Credit Union offers home equity lines of credit from 5.25% APR.
What is Encompass Niagara Credit Union's personal loan rate?
As of August 3, 2026, Encompass Niagara Credit Union offers personal loans from 4.99% APR.
What is Encompass Niagara Credit Union's best CD rate?
As of August 3, 2026, Encompass Niagara Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare Encompass Niagara Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
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# Get rates for Encompass Niagara Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/encompass-niagara" \
-H "Authorization: Bearer YOUR_API_KEY"