Encompass Niagara Federal Credit Union (formerly known as Encompass Niagara CU) has been open since 1934. The credit union has assets totaling $11.79 Million and provides banking services to more than 2,000 members. Membership: The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members. Membership is also open to immediate family of current members.