We make banking easy.

Here’s our philosophy: It’s banking, not rocket science. If you need a business loan, we can give you an answer while you wait—not after we run your application through an algorithm that doesn’t know you. If times are tight and you need a hand, we can work out a solution right there, at the branch—not after running it up three flagpoles and getting approval from some far-off corporate headquarters. Our headquarters is right here, in the North Country. You can walk into our president’s office, no appointment necessary. Or don’t—our electronic banking lets you do pretty much everything on your phone you can do in a branch, anyhow.

Benefits of Joining Our Credit Union

To us, you're family.
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Free ATM Access to over 30,000 ATMs

To help you save money, we have opted into a co-op network that allows you to use ATMs, without processing fees, across the entire United States.
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Amazing Loan Rates

Our personal and small business loan rates are some of the most competitive in Northern NY. And, we are often able to turn around applications within the same day!
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Best Dividend Rates in the North Country

Because we are a non-profit organization, our profits go directly into your pocket in the way of lower-rate loans and higher-rate savings accounts.
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A Focus on Saving You Money

We are always looking for ways to save you money. We recently were able to reduce some of our service fees, and in some cases, we eliminated them entirely!
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Full-Service Online & Mobile Banking

Whether you are an individual or business member, you’ll find our award-winning online banking and bill pay solutions easy and intuitive.
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Convenient Locations

With locations in Plattsburgh, Tupper Lake, and Potsdam we are available to serve a large range of community members throughout the majority of the North Country.

Residents and their immediate family members that live, work, worship, or attend school in Clinton, Essex, Franklin, and select towns in St. Lawrence County including:

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

Please be prepared to provide the following documentation when you are opening your new membership account:

  • Identification in the form of a valid Driver’s License/ ID card, passport, birth certificate, or social security card.
  • For Sole Proprietorships, we simply need the same ID as necessary for a personal membership.
  • If you have a registered doing-business-as (DBA) please bring the registration with you.
  • Corporations and LLCs will need to supply their Articles of Incorporation and Bylaws.

Interested in Becoming a Member?

Adirondack Federal Credit Union now has online membership application forms for personal accounts. Once completed, you can either print the form and bring it to your local branch or email it to us so we can have your account ready to open when it is convenient for you to stop in.

Are you a local business looking to switch to Adirondack Federal FCU for your business banking needs? Stop into your local branch to get started today!

Adirondack Regional FCU manager high-fiving a happy loan member outside of the Tupper Lake Branch

Member Stories

Our members share why they chose to join Adirondack Regional FCU
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Member Story: Helping Hand

The support of Adirondack Regional Federal Credit Union helps this mother and her young daughter find a fresh start.
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Kory Hosler of ADK Exclusive standing in front of red truck

Member Story: Kory Hosler of ADK Exclusive

Starting a new business and obtaining financing can be a challenge. Find out how ADK Exclusive LLC found the financing it needed to enter the market.
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Christina Spoor sitting on a handmade wooden bench inside the Tupper Lake Branch of Adirondack Regional Federal Credit Union

Member Stories: Christina Spoor

In 1959, when Christina Spoor opened an account at the Sunmount Employees’ Federal Credit Union in Tupper Lake, she wasn’t looking for a lifelong relationship. She just wanted a place to cash her paycheck.
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