Checking Accounts

We offer an array of checking account options to fit the unique needs of our local communities. Our checking accounts feature overdraft protection, and When you sign up for a checking account, you will be issued a Visa Debit Card linked to the account. This card can be used at any of Co-Op Network's 30,000 ATMs. Our checking accounts will exceed your banking expectations.

Savings Accounts

We are proud of our ability to help local communities save money. Whether you have a little extra you would like to set aside and grow or you have a specific reason you are saving your cash, we promise you’ll find that our variety of saving accounts will meet your individual needs and help grow your personal wealth. 

Checking Accounts

This is checking the way it should be: free and easy!
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Free Personal Checking

No fees, no necessary qualifications, and every free checking account come with a debit card.
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New Beginnings Checking

Everyone deserves a second chance to improve their bad banking history. Let us help you get on a better financial path.
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Young Adult Checking

It's never too early to learn about money management.
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Business Checking

Stress-free and easy checking, so you can focus on your business!

Savings Accounts

We offer the highest interest rate on Money Market accounts in the Adirondacks and the North Country
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Share Savings

Think of this as a traditional savings account, without the hassle. Open a new traditional savings account for as little as $5.00.
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High Yield Savings

Typical bank savings accounts generate just 0.05% in interest annually. These accounts accrue 21 times that amount at 1.25%. The more money you save, the more money you earn!
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Youth Savings

Start saving when you're young and learn the basics of money management from our certified financial counselors.
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Vacation Savings

Unique savings account that helps you save money specifically for the vacation of your dreams.
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Christmas Savings

This unique account is a little different: money you put away is only available after October 15, helping ensure that you’ll have what you need for the holiday season.
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Share Certificates

Looking for a guaranteed interest rate for your savings? Share Certificates are high interest accounts with fixed interest rates, for a fixed amount of time.
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Retirement Accounts

Start saving for your retirement, with a locked in rate. The sooner you start saving, the more you will have earned when you retire.

Member Stories: Kathy Love

Over the years, Kathy has relied on Adirondack Regional FCU for her checking and savings accounts, as well with vehicle & home equity loans. Adirondack Regional FCU is the the first place she turns to for her personalized banking needs.

“If I find something I like, I stick with it,” says Kathy Love.

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