Eligibility & Benefits

We are proud to announce that Adirondack Regional FCU can serve all persons who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties of NY state, as well as businesses and other legal entities located therein. See below under other for our Underserved Charter in parts of St. Lawrence County. Immediate family members of ARFCU members are also eligible.

Once a member, always a member!

How can I benefit?

With competitive rates on loans, savings and share certificates, and continuously upgraded services, we have the ability to offer our members control over their finances with fewer inconveniences and at the lowest possible cost. Through payroll deduction, online banking, audio response, True Stage Network (all insurance and financial investments), and our debit/ATM card, you can have access to your accounts 24 hours a day, 7 days a week. This allows you to do all your day-to-day financing without visiting one of our branches.

Chamber of Commerce

  • Saranac Lake Chamber of Commerce (employees and members)
  • Tupper Lake Chamber of Commerce (members and employees of members)
  • Potsdam Chamber of Commerce
  • St. Lawrence County Chamber of Commerce
  • North Country Chamber of Commerce


  • Adirondack Pennysaver
  • Time Warner Cable
  • Graymont Materials, Inc.
  • IBEW Local 310 751
  • Print Pad
  • Mountaina Lake PBS
  • Waste Stream Management
  • Weber International Packaging Co. L.L.C


  • Associated Colleges of the St. Lawrence Valley
  • SUNY Canton
  • SUNY Potsdam
  • College Association, SUNY Canton
  • Clinton-Essex-Franklin Library Systems
  • Clarkson University
  • North Country Community College
  • Paul Smiths College
  • Potsdam College Development Fund
  • St. Lawrence University
  • ARA


  • Behavioral Health Service North
  • Franklin County ARC
  • Mercy Healthcare Center
  • North Country Home Services
  • North Star Industries
  • St Joseph’s Rehab(employees)
  • Senior Citizens Council of Clinton County
  • Senior Services Home Care
  • Sunmount DDSO
  • Adirondack Medical Center(Saranac Lake)
  • CVPH
  • Potsdam/Canton Hospital


  • St. Alphonsus Parish
  • Holy Name
  • United Community
  • St. Peters Parish
  • St. Johns Parish
  • Presbyterian
  • St. Mary’s Parish
  • Trinity Episcopal
  • First Presbyterian
  • United Methodist

Public Employees

  • Adirondack Correctional Facility
  • Clinton County
  • Clinton County Housing Assistance Program
  • Town of Tupper Lake
  • Town of Wilmington
  • Tupper Lake Chapter of CSEA
  • Local 817
  • Village of Canton
  • Village of Norwood
  • Village of Potsdam
  • Village of Saranac Lake
  • Village of Tupper Lake

School Districts

  • Canton Central
  • Colton-Pierpont Central
  • Knox Memorial Central
  • Madrid-Waddington Central
  • Newcomb Central
  • Northern Lights School
  • Norwood-Norfolk Central
  • Parishville-Hopkinton Central
  • Potsdam Central
  • Saranac Lake Central
  • Tupper Lake Central
  • Chazy Central
  • Beekmantown Central
  • Saranac Central
  • Plattsburgh City School

Travel & Entertainment

  • Adirondack Public Observatory
  • Cumberland Twelve
  • Hoyt’s Theater
  • Imaginary Museum
  • Champlain Centers
  • Kent Delord House
  • Wild Center
  • SUNY Potsdam/Clarkson University Hockey

Other Members

Persons who live work, worship, or attend school in and business and other legal entities located in a portion of St. Lawrence County, NY, that includes the Townships of

  • Brasher,Canton, Claire
  • Clifton, Colton, Dekalb
  • DePeyster, Edwards, Fine
  • Gouverneur, Hammond, Hermon
  • Hopkinton, Lawrence, Macomb
  • Massena, Morriston, Norfolk
  • Parishville, Piercefield, Pierrepont
  • Pitcairn, Potsdam, Rossie
  • Russell, Stockholm