Become a Member

Do you or your immediate family members live, work, own a business, worship, or attend school in Clinton, Essex, Franklin, or St. Lawrence County of NY state? If so, you are likely eligible to become a member of our federal credit union! Learn more about becoming a member and the benefits of joining Adirondack Regional Federal Credit Union today!

Products and services that are right for you

Whether saving money or looking for a loan, we have some of the best rates in the area.

Pay your bills, check account balances, transfer money, get alerts, and more from anywhere at any time.

Checking the way it should be: free and easy! No fees, free atm use at 30,000+ locations, and no hassle.

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-return 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 Lake, Plattsburgh, 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!