Business Details
50+ Years
experience
Your Trusted Community Credit Union in Northern NY
Adirondack Regional Federal Credit Union has served Northern New York communities since 1947 as a not-for-profit cooperative financial institution. Founded by veterans, we prioritize community impact through personalized banking solutions tailored to local needs. Our team of certified financial counselors provides expert guidance on mortgages, loans, and savings products designed to help members achieve financial success.With over $50 million in assets and three convenient locations in Plattsburgh, Tupper Lake, and Potsdam, we combine local knowledge with federal insurance to deliver competitive rates and exceptional service. Our commitment to community extends beyond banking through charitable initiatives, scholarships, and financial education programs that strengthen the North Country region.
Services
Free Checking Accounts
High-Yield Savings
Personal Loans
Mortgage Services
Business Banking
Financial Counseling
Share Certificates
Home Equity Loans
Vehicle Financing
Credit Report Review
Details
- Year established: 1947
Highlights and features
- Founded by veterans with deep community roots since 1947
- Certified financial counselors available at every branch location
- Competitive rates on mortgages and loans backed by local decision-making
- Free second-chance checking accounts for financial rehabilitation
- Community investment through scholarships and local business support
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Friendly staff
Competitive loan rates
Financial counseling
Community involvement
Convenient locations
Services
Free Checking Accounts
Our no-fee checking accounts provide essential banking without hidden costs. Members receive free Visa debit cards and access to 30,000+ Co-Op Network ATMs. Specialized options include second-chance accounts for rebuilding financial history and youth accounts for teaching money management skills.
Mortgage Services
Local mortgage lending solutions for Northern NY's unique housing market. We offer competitive rates on purchase loans, refinancing, and home equity products with personalized guidance from experienced lenders who understand regional property values and community needs.
Personal Loans
Unsecured personal loans for debt consolidation, major purchases, or unexpected expenses. Flexible terms and quick approvals help members access funds when needed, with financial counseling available to ensure responsible borrowing decisions.
Business Banking
Comprehensive business banking solutions including free checking accounts, equipment financing, and commercial real estate loans. Our local decision-makers understand Northern NY's economic landscape, providing tailored support for small business growth and expansion.
Financial Counseling
Certified financial counselors provide personalized guidance on credit reports, budgeting, and debt management. Free consultations help members improve financial literacy and develop strategies for long-term economic stability through both in-person and virtual appointments.
People
Lisa St. Pierre
Board Member
Community leader with extensive board experience, actively involved in expanding credit union membership and supporting local initiatives through strategic governance and financial expertise.
Anthony Bernardi
Financial Analyst
Recent addition to our Tupper Lake branch, providing analytical support and financial insights to help members make informed banking decisions backed by data-driven expertise.
Jed Dukett
Community Partner
Retired chemist and local entrepreneur who partnered with the credit union to develop the Timberjaxx Pass miniature golf attraction, demonstrating our commitment to community development projects.
Questions
How do I become a member?
Membership is open to anyone living, working, or attending school in Northern NY's four Adirondack counties with a $5 minimum deposit.
What loan options are available?
We offer mortgages, personal loans, vehicle financing, business loans, and home equity products with competitive rates and local approval processes.
Do you offer online banking?
Yes, our 24/7 online and mobile banking platform provides account access, bill pay, and money transfer capabilities from any internet-connected device.
Are my deposits insured?
All accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What financial education resources exist?
Certified counselors provide free credit report reviews, budgeting guidance, and personalized financial planning sessions at all branch locations.
How are decisions made locally?
Our board of directors and loan officers reside in the communities we serve, ensuring lending decisions reflect local economic conditions and member needs.
Reviews (4)
Bea Taylor
Jan 17, 2021
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Always very Happy with ALL who work in this bank.Everyone is always helpful and they go out of their way to help you.
Brad White
Jan 12, 2021
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Have been with Adk. Reg. C.U. for over thirty years. As of ten years ago I did business with two additional banks .Having the CU meet all my needs and expectations with minimum charges ,the CU is my only banking facility. Always willing and able to help. Thank you all staff. People in the know .Bruce Van Vranken
David Obrian
Jan 02, 2021
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Always friendly and helpful never in a rush lots of time to help and talk things over ,I really injoy my visits at bank
Diana LaDue
Oct 20, 2020
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The employees at the Tupper Lake Regional Credit Union are always friendly and helpful. They are knowledgeable and always provide assistance when needed. I remain very pleased with doing my business with the Adk. Reg. FCU.
