Helping Our Members Live Their Dreams

At Adirondack Regional Federal Credit Union, we understand the unique financial challenges that come with living in Northern NY. For example, we know how each community has a slightly different housing market and the necessity of working with a local mortgage lender that understands the region best. Or the more frequent need for auto loans and home equity loans because of our harsh Adirondack winters. We respect that times can get tough and financial options such as second chance checking accounts or personal loans are imperative for many in the North Country. And we know the joy that comes with being able to start a business here and having the availability of free business checking accounts and small business loans.

That is because we live here too. From the CEO and board of directors to our branch tellers and loan officers we are your neighbors, your friends, your family. And that is precisely why we do everything possible to help you save money. As a non-profit credit union, we make our earnings your savings through the availability of free checking accounts, low-interest loans, and high-yield savings accounts. And, we go out of our way to help you reach your financial goals no matter what your current credit score is.

With convenient locations in Tupper LakePlattsburgh, and Potsdam, each with full-service online and mobile banking, extended drive-thru banking hours, and a 24-hour ATM, we strive to make banking easy. Find out why over 7,000 residents across the North Country have become a member of Adirondack Regional Federal Credit Union today!

Become a Member

We strive to provide every member with personalized service to cater to each individual need. This allows us to educate our community members about saving money in their own way and to help more people achieve their financial goals.

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Banking Products Tailored for You

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When you work with our expert local mortgage lenders we will get you into the home of your dreams no matter what stage of the home buying process you are in.
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Free Checking Accounts

This is personal checking the way it should be: free and easy! There are no fees, no necessary qualifications, and free online & mobile banking!
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Savings Accounts

Whether you are 7 or 70, our various savings account products are designed to help you achieve your individual financial goals.
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Business Banking

We offer a full line of business banking products that will help you every step of the way - from getting the money you need to get started to growing your business beyond your expectations.
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Car Loans

We want to take the stress out of buying a car with quick approvals and better rates than you would get if you worked directly with the car dealership.
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Boat & Watercraft Loans

Whether you are looking for a bass boat to help you land a prize walleye or looking for an opportunity to skim across the waves on a jet ski, we can help you get out onto your favorite lake this summer.
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Motorcycle & ATV Loans

Our quick and easy motorcycle loan process will get you out on the road with amazing rates that you won’t find at a dealer.
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RV & Camper Loans

There is no better way to explore the amazing wilderness in the Adirondacks and Northern NY than with your own recreational vehicle or camper.
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Personal Loans

Personal loans can be used for debt consolidation or as an alternative to a credit card, where the interest rate is higher. Even better? Our personal loans are unsecured, meaning no collateral is required.

Upcoming Events & Member Stories

Member Story: William Axtell of Adirondack Mountain Coffee

Hard work, good product and consistent customer service has helped this local coffee shop succeed. From attaining a PPC loan to make it through the challenging time of COVID to obtaining a new line of credit to expand his business, Adirondack Regional Federal Credit Union was there for support.
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Member Story: Adirondack Hotel (Long Lake) Owner Jen Jurczak

Newly-minted Long Lake resident, Jen Jurczak, purchased local landmark hotel and partnered with Adirondack Regional FCU to keep the 170-year-old inn serving up hospitality.
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Tupper Lake’s Economic Future: Transforming the OWD Factory from Vision to Reality

For years, the former Oval Wood Dish (OWD) factory sat vacant on the shores of Tupper Lake. It took Joe Gehm, a developer from Syracuse, with a vision for bringing it back to life—and help from Adirondack Regional to make it happen.
Learn More