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Melt Away Credit Card Debt

Apply for a Balance Transfer & get automatically entered for a chance to win a $250 Amazon Gift Card!

Christmas in July has come to Greater Niagara Federal Credit Union and in the spirit of the season we’re gifting you with our low-rate Visa® Credit Card Balance Transfer!

Now through August 31st, 2022, credit union Members can take advantage of our Visa® Balance Transfer promotion with interest rates as low as 4.99% APR. Consolidate your credit card debt into one low-rate monthly payment when you switch to a Greater Niagara FCU Visa® Credit Card. And keeping in the holiday spirit, your new credit card comes with as many benefits as Santa has reindeer, including zero annual fees and other credit union rewards!

Ready to give yourself the gift of a low-rate credit card balance transfer? Greater Niagara FCU representatives are ready to help you take advantage of this limited time offer.

It’s the Gift That Keeps on Giving

What can you use a balance transfer for? What are the benefits of using our Christmas in July Visa® Balance Transfer promotion? Let’s unwrap some of the presents Greater Niagara FCU Members can gift themselves this (summer) season!

Consolidate ALL of your credit card balances into ONE.
Pay less in interest and more towards principal balances.
Make just one monthly payment as opposed to several.
Free up some extra cash for summer vacations, back to school supplies, home maintenance, or whatever else is on your wishlist!

What Is a Credit Card Balance Transfer?

A credit card balance transfer consists of moving funds from one credit card account to a new card, typically to consolidate outstanding, high-interest debt into one, low-interest card line. Generally, these promotions offer consumers significantly lower interest rates, waived transfer fees, and better benefits like ScoreCard® Rewards points and cash back on everyday purchases.

Greater Niagara FCU Visa® Credit Card

By transferring funds over to a Greater Niagara Federal Credit Union Visa® Credit Card, you benefit from zero annual fees, no added costs for cash advances or balance transfers, increased perks and rewards, interest rates as low as 4.99%, and much more.

Not Yet a Credit Union Member? 

Not a problem! Apply for membership and join the Greater Niagara Federal Credit Union today. Do you live, work, worship, attend school, or conduct business in either Erie County or Niagara County? Great! You’re eligible for membership to Greater Niagara FCU. And with two conveniently located WNY branches, access to smart banking solutions, low-rate loan options, and Love My Credit Union Rewards can all be had by taking just a few minutes to apply! 
Become a Member

Our Members Mean the Most

When it comes to a greater credit union experience, we focus on delivering the financial products our Members want with rates and services they need. See what these Greater Niagara FCU Members had to say about their experiences making the switch!

Great place to grow and move your money. The staff is always above & beyond. The rates are unbeatable. I've been with them 23 years, always satisfied.

Amber F.

I love this credit union. I've done my banking at 3 separate banks throughout my life and they are by far the best. Cancelled all my big bank credit cards and closed all my other accounts. GNFCU has a lot of cool features on their app and also the Card Valet app which helps protect your debit card. I highly recommend them if you live in Niagara County.


Melinda was great! Best bank experience I've ever had, helped me out with any question I had and went above and beyond in helping me obtain a credit card. Some body give this woman a raise!

Skyler L.

I have been a member of GNFCU for 30 plus years and my experience with Greater Niagara has been nothing but positive. The staff in Niagara Falls has been so accommodating to all my needs and keeps me updated on current promotions that run through the year. I would like to especially thank Mary for her hard work she has provided me with my banking this past year. Keep up the good work.👍

Sam C.

Awesome place to be a member of. They're always there to help. Definitely recommend this as your #1 bank. Keep up the great work...

Sara H.

Awesome credit union and even better customer service. Shout out to Melinda for making it such an easy process to get my credit building started! Very polite and great attitude! I’d be glad to recommend her and the credit union to anyone I know!

Natalie G.

Contact Greater Niagara

If you’re not ready to apply for a Greater Niagara FCU Membership, or have more questions about our services, a friendly Loan Officer is ready to walk you through any and all details!

Anyone who lives, works, worships, attends school, or conducts business in Erie or Niagara County is eligible for membership to Greater Niagara FCU. If you have any questions, please call us at 716-297-5944 or 716-695-1829 or email gnfcu@greaterniagarafcu.com. Once we’re connected, we can schedule a time to review this opportunity and more.
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