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Dear Member, 

I hope this message finds you and your loved ones settled into a comfortable fall routine. Every year, I'm floored by how fast the color changes and it reminds me of how quickly time passes. 

Don't miss the opportunity to take that fall walk or spend a moment and call an old friend. Before you know it, we'll be tossing firewood in the stove and wondering if there's enough snow to get the sleds out. Read below and you'll see what I mean.

Be well,

Russ Cronin
President & CEO

NEWS FROM YOUR CREDIT UNION

It’s That Time Again
Make a list, check it twice, then head here to withdraw money from your Christmas Club account and get your shopping out of the way. Early-birds can begin taking from those accounts starting Friday, Oct. 1.

(Did you know? If you need a little help saving for the holidays, a vacation or any other big expense, we can automatically set aside money from your Direct Deposit paychecks.)

Get More Details.

Zelle Is On The Way
We’re really excited about this: Starting November 18, all our members will have access to Zelle, a fast, safe and easy way of sending money. Once you register for Zelle through ARFCU’s app, you just need the email or mobile phone number of the person you’re trying to pay, even if their bank or credit union doesn’t offer Zelle. Watch to learn more.

Pat Yourself on the Back
Did you come out to our first-ever Bark in the Park event in August? If you did, you helped raise $1,562 for the Tri-Lakes Humane Society, a no-kill animal shelter in Saranac Lake. Thanks to our sponsors, Raquette River Brewing, Shaheen’s IGA and Long Run Wealth. And a big thanks as well to Dr. Cecilia Scranton from the Lakeside Veterinary Clinic in Tupper Lake, who implanted 22 ID microchips in pets during the event.
Check out the Photo Gallery.

Home Not Alone: The ARFCU Difference
Last month, we talked about ways you could make your homebuying process go a little more smoothly. In our super-hot housing market, saving a little stress goes a long way.
 
This month, we’ll explore the next steps in the mortgage application process—and why having a partner like ARFCU can pay off big-time, now and throughout the length of your loan. Explore the mortgage process.

Your Membership is an Investment in Our Communities