Business Details
50+ Years
experience
Your Trusted Financial Partner in Attica, NY
Founded in 1935, our credit union has evolved from serving Attica State Prison employees to offering membership to correctional facility staff across multiple New York locations. Governed by an elected volunteer board, we operate as a not-for-profit financial cooperative, prioritizing member benefits through competitive rates and expanded services. With NCUA federal insurance up to $250,000, we combine community focus with modern financial solutions, including real-time home banking and personalized loan programs. Our commitment to accessibility ensures all members receive ethical, transparent financial services tailored to evolving needs. Services
Savings Accounts
Auto Loans
Home Equity Loans
Online Banking
Share Certificates
Details
- Year established: 1935
Highlights and features
- We operate as a member-owned financial cooperative since 1935
- Our volunteer board ensures community-focused decision-making
- NCUA federal insurance protects savings up to $250,000
- We offer competitive loan rates and dividend-paying accounts
- Our services specifically cater to correctional facility employees
Associations and certifications
- NCUA
Services
Savings Accounts
We offer various savings solutions including share accounts, certificates, and specialty clubs. Members earn quarterly dividends based on loan volume and economic conditions. Minimum deposits apply for certificates, with penalty-free access to primary share accounts.
Auto Loans
New and used vehicle financing available with terms up to 72 months. We offer 100% financing based on NADA book value. Competitive rates apply for qualified borrowers with flexible repayment options.
Home Equity Loans
Primary residence loans up to $65,000 with 80% loan-to-value ratio. Terms available up to 15 years. We cover attorney fees for loans over $20,000 with no flood determination fees.
Online Banking
Real-time account access for transfers, balance checks, and transaction monitoring. Updated platform provides secure 24/7 management of checking, savings, and loan accounts with enrollment assistance available.
Unsecured Loans
Personal loans up to $15,000 without collateral requirements. Terms vary from 24 to 48 months based on loan amount. Competitive rates for qualified borrowers with flexible use options.
People
Sandra Prusak
President
Sandra leads our volunteer board with extensive experience in financial governance. She ensures strategic direction aligns with member needs while maintaining regulatory compliance and ethical standards.
Steven Kidder
Vice President
Steven supports board operations with deep knowledge of credit union management. He focuses on expanding digital services and improving member financial education programs.
Christy Ratajczak
Treasurer
Christy oversees financial stewardship with emphasis on maintaining competitive rates and ensuring long-term fiscal stability for the credit union's member-owners.
Alison Platten
Secretary
Alison maintains accurate records and ensures transparency in board decisions. She works to strengthen community connections and member engagement initiatives.
Questions
Who is eligible for membership?
Current and retired employees of Attica, Wyoming, Wende, Albion, Groveland, Livingston, and Orleans Correctional Facilities, plus their family members and Attica town/village employees.
Are my savings insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
What loan types do you offer?
We provide auto loans, home equity loans, recreational vehicle loans, share-secured loans, and unsecured personal loans with competitive rates.
Do you have online banking?
Yes, our real-time home banking system allows 24/7 account access for transfers, balance checks, and transaction monitoring.
How are you governed?
We operate under a volunteer board of directors elected by members, ensuring community-focused financial services and ethical operations.
