Regular Share Accounts
This account is the primary account for all members. When you join the Niagara Wheatfield Federal Credit Union, you become a member and an owner of your Credit Union. Every member must maintain a regular share account with a balance of $5.00. This is a statement savings account with dividend rates. Statements are mailed quarterly.

Share Certificates
When considering investing into a long term account, you may want to consider our share certificates of deposit. The no risk investment opportunity that pays you a higher yield of interest on your savings. You agree to leave your deposit for a specific period of time and we agree to pay you a guaranteed rate of interest for the entire period of time.
All certificates are subject to an early withdrawal penalty. We offer share certificates ranging in maturities to meet your individual investment needs.

Christmas Club Accounts
This account is a pledge account whereby the member designates a certain amount per week or per payday to be deposited for holiday shopping needs. Early October, the funds from this club are automatically transferred into your regular share account in time for holiday shopping.
Since this is a pledge account, funds are not to be withdrawn during the year. This account currently earns dividends in the same manner as the regular share account.

Special Purpose Clubs
This account is a pledge account whereby the member designates a certain amount per week or per payday to be deposited for a specific reason. This reason could be summer needs, vacation, taxes, or any reason the member needs. The member decides on the purpose of the account and when the funds are needed.

IRA Share & Certificate Accounts
This account helps you save for retirement or your child’s education. We offer both traditional and Roth IRA’s and Coverdell Education savings accounts.