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Unlawful Internet Gambling Transactions
In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or in connection with our institution. These restricted transactions are transactions in which a person receives credit, funds, instruments or other proceeds from another person in association with Unlawful Internet Gambling.

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Events and Acknowledgments

Thank you for choosing us as your financial institution since 1947.

Important tax information! Failure to follow these instructions may cause your refund to be delayed! DO NOT use the routing or account numbers found on your personal checks. Enter our routing number, 221380570, on your forms. Your full member number is your account number. Please select savings or checking. If you are unsure of your full account number, please call one of our offices. ARFCU will NOT advise you on completing your tax forms. ARFCU is not responsible for the amount of your refund nor any delays incurred.

Our tellers are updating member records. Please check that the address and phone number we have on file for you are current. Also, please bring two forms of identification with you. We are filing the images for member verification. These updates will increase account security.

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Employment Opportunities

Currently there are no listings

Adirondack Regional FCU is an Equal Opportunity Employer


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Virtual Branch

Check your balances, transfer funds or make a loan payment from your computer with Online Banking! Bill Pay 4U allows you to pay your bills out of your checking account over your home computer. Make sure payments arrive on time and never worry about running out of stamps again!

If you are interested in these services, please stop by any of our four locations and a service representative will be happy to enroll you. Access the Virtual Branch at

You can test a demo of the service on the site. Check imaging is available to download and print your canceled checks.

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Winter 2009

Fall 2008

No newsletter for Summer 2008

Spring 2008

Winter 2008

No newsletter for Fall 2007

Summer 2007

No newsletter for Spring 2007

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What is a Credit Union?

Credit unions are not like other financial institutions.
  • They are cooperatives, owned and managed by their members.
  • There are no outside stockholders; therefore, a percentage of the credit union's earnings are returned to the member in the form of dividends on savings, reduced rates on money products, and better service.
  • Credit unions are safe financial institutions.This Credit Union is federally insured by the National Credit Union Association.
    NCUA Logo
  • Credit union members share something in common. They may work at the same employer, attend the same church, belong to the same professional group or live in the same community. Only people within the credit union's field of membership may join the credit union and use its large array of services. However, after joining a credit union, the member is always a member regardless of future employment changes. The slogan "ONCE A MEMBER, ALWAYS A MEMBER" is used to describe this lasting and rewarding relationship between a credit union and its members.

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History of the Credit Union

The Adirondack Regional Federal Credit Union, a not–for–profit corporation, started in 1947 as part of the Veteran's Hospital in Tupper Lake, NY. The credit union provides multiple financial services to 8,000 members throughout four northern New York counties. ARFCU is $33 million in size with offices in Tupper Lake, Potsdam, Saranac Lake, and Plattsburgh; and employs approximately 17 people.

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Mission Statement

To provide a wide range of quality financial services based on the changing needs and aspirations of our members and to operate in a financially sound, secure, professional, and confidential manner. We are proactive in developing and maintaining a positive interaction among our members, staff, and communities we serve.

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Important Information on Scams

Generally fraudulent emails want you to verify your account information due to a security breach. If you don't know where an email came from, call your financial institution – but use a phone number from your statement. Do NOT use any phone number listed in the email! If you suspect you have been a victim, call the police immediately. Also, report it to your financial institutions and closely monitor your credit reports.

Adirondack regional Federal Credit Union Identity Theft link image

Important phone numbers

  • Report a lost or stolen Visa debit card: 1-800-472-3272
  • Report a lost or stolen Visa credit card: 1-866-552-8855
  • Both services are accessible 24 hours a day

Credit Bureaus:

  • Equifax: 1-800-525-6285
  • Experian: 1-888-EXPERIAN (397-3742)

Federal Trade Commission: 1-877-IDTHEFT (438-4338)

NYS Attorney General Consumer Fraud Hotline: 1-800-771-7755

An email is probably fraudulent if the message:

  • Comes from a financial institution where you do not have an account
  • Advertises a service you have never used
  • Contains misspellings or poor grammar
  • Asks you to update personal information online and provides a link
  • Claims your service will be suspended or cancelled unless you update your information
  • Comes from a foreign country, particularly foreign lotteries
  • Wants you to send money overseas
  • Offers to send more money than your asking purchase price if you wire the rest back
  • Notifies you that you won a lottery or contest you never entered
  • Demands action to be taken by a specific date, usually within a few days

Possible subject lines:

  • Credit Card Blocked
  • Multiple Password Failures
  • Update Your Personal Account Information
  • Urgent Billing Update
  • Urgent Security Notice
  • Your Account Could Be Suspended

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Adirondack Regional Federal Credit Union, with its main office in Tupper Lake, also has offices in Potsdam, Saranac Lake, Plattsburgh.

Adirondack Regional Federal Credit Union is an Equal Housing Lender and is federally insured by the National Credit Union Association.

The Adirondack Regional Federal Credit Union is an Equal Housing Lender