Business Details
50+ Years
experience
Emergency
services
Your Trusted Community Credit Union in Albion, NY
Cobblestone Country Fcu has been dedicated to serving our community since 1965. Originally established as Liptons Federal Credit Union, we began as a single-room operation before merging with two local credit unions and expanding our charter to serve all of Orleans County. Over the decades, we've evolved into a full-service financial institution while maintaining our commitment to low fees and hometown values. Our mission focuses on creating a friendly atmosphere where members receive personalized one-on-one service and feel comfortable managing their finances. We take pride in managing our assets responsibly to ensure the highest level of satisfaction for our members.Our experienced team combines professional expertise with deep community knowledge to provide comprehensive financial solutions. As a member-owned cooperative, we prioritize our members' needs through competitive loan rates, attractive savings dividends, and innovative financial tools. Our board of directors and staff bring decades of combined experience in credit union operations and financial services. We maintain strict compliance with federal regulations while delivering accessible services that meet modern banking needs. Our commitment to accessibility extends to our website, which we continually improve to meet ADA standards and serve all members effectively.
Services
Checking Accounts
Savings Accounts
Personal Loans
Mortgage Loans
Student Loans
Wire Transfers
ATM Services
Online Banking
Payroll Deduction
Skip-A-Payment Program
Details
- Year established: 1965
Highlights and features
- Community-focused financial institution serving Orleans County since 1965
- Member-owned cooperative structure with personalized one-on-one service
- 24/7 card support with dedicated after-hours assistance numbers
- Low-fee banking with no per-check or monthly account charges
- Experienced team with deep local market knowledge and expertise
Associations and certifications
- NCUA
What people say
Friendly atmosphere
One-on-one service
Low fees
Hometown values
Convenient access
Services
Checking Accounts
Our checking accounts offer no per-check fees, monthly fees, or statement charges. Members can access funds through checks, Visa debit cards, or in-branch withdrawals. Account holders receive personalized service and convenient banking options including payroll deduction and online management tools.
Savings Accounts
Competitive savings accounts earn quarterly dividends set by our board of directors. Funds can be accessed in-branch or through linked accounts, with special attention to maintaining account security when pledged against loans. Christmas Club accounts provide seasonal savings options with guaranteed payouts.
Personal Loans
We offer various personal loan products with flexible terms for residents of Orleans County. Our Skip-A-Payment program allows members to defer up to two payments annually without credit impact. Loan approvals consider multiple factors including credit history and financial standing.
Online Banking
24/7 online banking services include account management, bill payment, and loan applications. The Repay feature enables convenient payments through desktop or mobile devices using debit or credit cards. Users can activate services through our secure website with simple registration.
ATM Network
As part of the Co-op Network, we provide access to over 30,000 ATMs nationwide. Members can perform cash withdrawals, balance checks, and other transactions while maintaining the security of their accounts through personalized PIN management options.
People
Wayne Hale
President
Wayne Hale leads our board of directors with extensive experience in credit union governance and community financial services. He ensures strategic direction aligns with our mission of hometown values and member-focused banking.
Christine Ranallo
Manager
Christine Ranallo oversees daily operations as our credit union manager. With deep expertise in financial services, she ensures efficient delivery of banking products while maintaining our commitment to personalized member service.
Questions
What are the credit union's operating hours?
We're open Monday 9am-5pm, Tuesday 9am-4pm, Thursday 9am-4pm, and Friday 8:30am-5pm. We're closed Wednesday and weekends.
How can I access my account after hours?
Use our 24/7 online banking services or contact our after-hours card support at 1-800-299-9842 for immediate assistance with card-related issues.
What loan options are available?
We offer personal, mortgage, and student loans with flexible terms. Our Skip-A-Payment program allows deferring up to two payments annually without credit impact.
How do I report a lost or stolen card?
Immediately call 1-800-543-5073 to report lost or stolen cards and request replacement to protect your account security.
Can I have multiple accounts?
Yes, there's no limit to the number of savings or checking accounts you can establish with us.
How do I join the credit union?
Complete an application at our Albion office, pay a $15 membership fee, and maintain a $5 minimum savings balance. Open to Orleans County residents and workers.
Reviews (5)
Kristina Weese
Jan 24, 2022
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Staff spends there time going through your personal transactions. I was extremely taken back by the comment made by kris the financial manager when she said they have the right to look through members private purchases. I guess im glad I found out now that this is there practice so I can seek another financial institution. Its just sad ive been with them for 7 years. Privacy should be everyones right.
Gail Starkweather
Mar 01, 2021
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My husband and I have been with cobblestone country federal credit union over 27 years. We have my savings and checking. I also have a Christmas club. Car/truck loans, motorcycle loans, RV loans yep weve had a few. I love that they can preset my money transfers to my accounts and take care of my loan payments so I dont have to. Everyone I have worked with at CCFCU is always kind , courteous and helpful. Even our college student is now banking with CCF CU and was able to buy her firsts car.
Randy Fuller
Sep 28, 2020
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The service here is terrible.only open 4 days a week and it shouldn't take over a week to get your check in the mail.
Anonymous Anonymous
Dec 20, 2019
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It was a good Credit Union to start out with at a young age, but however, their hours of operation are slightly mediocre and an inconvenience due to work schedule and lets say vice versa, closed on observed holidays. Had my card number stolen twice in one year, and had to get a new card, which takes well over one week by mail, and I have bills to pay through auto-debit, which puts me at risk for missing payments. I will only use this bank for Savings rather than a Checking account.
Kathy Grimes
Jul 30, 2019
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This Credit Union has been my bank/loan institution for over 30 years. Love the personal service and quick to help with any questions I've ever had. Will never change from them !
