Dear valued members,
As we bid farewell to a very successful 2025 and look ahead to the new year, I want to thank you for being part of Adirondack Regional Federal Credit Union.
This past year marked a period of meaningful progress for your credit union. We expanded programs designed to better serve our members, strengthened our community partnerships, and closed the year with total assets of approximately $88 million. Most notably, we reached the strongest net worth position in recent history, reflecting disciplined management and a clear focus on long-term sustainability.
Our performance also allowed us to return value directly to the membership. In 2025, we paid out record-high dividends, reinforcing the cooperative advantage and ensuring our success is shared by the members who make it possible.
As we enter the new year, we remain focused on thoughtful growth, continued investment in technology and service, and delivering financial solutions that meet the evolving needs of our membership. The foundation built in 2025 positions us well for what’s ahead.
Thank you for your continued trust and membership. We look forward to serving you in 2026 and beyond.
Warm regards,
Basel Farhat, MSDA
President & CEO
Adirondack Regional Federal Credit Union
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Financial Highlights
As we begin the new year, Adirondack Regional FCU continues to provide dependable, competitive financial options for our members. We remain committed to responsible lending that supports both everyday needs and longer-term financial goals.
We’re happy to share that Auto Loan rates continue to decrease, which may create savings opportunities for members purchasing a new or used vehicle or refinancing an existing loan. If you’re considering your options, our team is available to answer questions and help you decide what makes the most sense for you.
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Member Spotlights
Thankful Thursdays
Throughout November, we held our Thankful Thursdays giveaway leading up to Thanksgiving to give back to our members. Each week, members were selected to receive prizes, all provided by local businesses.
From gift baskets and seasonal arrangements to a Thanksgiving turkey, a variety of prizes were shared throughout the month. We’re grateful for our members and appreciate being part of your financial journey!
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Donation Recaps
American Cancer Society Fundraiser
Thank you to everyone who supported our recent fundraiser benefiting the American Cancer Society. With the help of our members, staff, and community, we collected $453.83, and Adirondack Regional FCU contributed an additional $1,000, bringing the total donation to $1,453.83.
We appreciate everyone who took part and helped make this effort possible. Your generosity truly makes a difference, and we’re honored to be part of a community that continues to show such strong support for important causes.
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Holiday Toy Drive
In December, our branches collected toys through our Holiday Toy Drive! Each branch partnered with a local organization to help connect donations with families in need.
Toys collected at our Tupper Lake branch supported the Kiwanis Club, donations from Plattsburgh benefited The Christmas Bureau, and contributions from our Potsdam branch were shared with the Potsdam Holiday Fund. Thank you to everyone who donated and helped support families throughout our communities.
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Supporting Local Small Businesses and Veterans
This year brought a few milestones we wanted to share with our members. Through $45,000 in Federal Home Loan Bank grant funding, Adirondack Regional FCU was able to support eight local employers and contribute to the strength of the small-business community we serve.
We also introduced our Veterans Loan Benefit Program and supported the Tupper Lake VFW, continuing our long-standing connection to veterans and their families. Thank you to our members for being part of Adirondack Regional FCU and helping make efforts like these possible.
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Winter Financing: Snowmobile Loans
Winter is a big part of life in the North Country, and for many members, that means time out on the trails. If a snowmobile is part of your plans this season, Adirondack Regional FCU offers financing options designed with flexibility in mind.
Snowmobile Loan rates are currently available as low as 7.00% APR*. For members considering a purchase this winter, this can be a practical way to spread out costs and plan with confidence throughout the season.
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