Personal Banking


Share Draft Checking Account

Checking the way it should be, Completely Free!  Adding additional services to your account gives you the ability to bank how it is most convenient for you.

New Beginnings Checking Account

If you have had trouble managing a checking account in the past, this is the product for you. Maintain your account responsibly for a period of 12 consecutive months and your account will be converted to a Share Draft Checking Account.

Young Adult Checking Accounts

Partnering with parents to increase financial literacy of young adults goes straight to the heart of our mission at Adirondack Regional FCU. Young adults can have access to a debit card, co-signed by a parent or guardian, and together we can help ensure their financial success.

Share Savings Account

Traditional savings account that holds your $5.00 membership share. Accounts with a $100.00 balance, or more, earn a dividend. We also automatically sweep funds to your checking account if your share draft account if you need funds to cover a check.

Plateau Share Account

Earn a money market rate of interest on your Plateau account with a minimum balance required of $2,500. The more you save the more you earn!

Certificate of Deposits

Do you want to guarantee your interest rate for more than a year? This is the product for you. Terms of 3 months to 5 years are available so talk to a member service representative to discuss what term is right for you. Certificates automatically rollover unless you redeem the certificate.

IRA Savings Certificates

Lock in your rate of return on your retirement savings by investing in an IRA Savings Certificate. We do all the tax reporting on your account for you. Terms of 6 months to 5 years are available. Certificates automatically rollover unless you request a distribution.

Club Accounts (Vacation/Christmas Clubs)

Saving for a family trip or the holiday season has never been easier. Set up an automatic transfer from your payroll deposit and watch your account grow.

Tax Escrow Savings Accounts

This special savings account is tied to your loan payment on your home to ensure your taxes are always paid. A portion of your loan payment is transferred directly to the account. Bring us your tax bill or have it sent to us directly and we mail the payment.

Youth Savings Accounts

As your child starts to earn money for chores, babysitting or lawn mowing, a youth savings account can help you teach them the importance of saving. Accounts do not require a parent to be on the account with the minor.

Fun Zones Accounts

From birth to 9 years of age, we can help you teach your little ones about saving. Each deposit earns a fun buck. Collect $5.00 in fun bucks and your child can buy a toy.

Uniform Transfer to Minor Account

Saving for your child’s college or other significant life events has never been easier. As the account custodian, a parent oversees money that relatives have irrevocably transferred to a child. The account is automatically transferred to the child when they reach age 21, or 18 if the custodian specifically declares that age.

Auto Loans

New or used, either way you get a loan that works for you at a great rate. Stop in to prequalify so you know exactly how much you can afford. Terms of up to 7 years available for new and up to 6 years for used vehicles.

Camper Loans

We finance campers so you have the freedom of staying where ever you are for one more day. Affordable financing options available up to 15 years.

Boat Loans

Whether you’re going fishing or just enjoying a day on the lake, we can finance the boat you need. Competitive rates and term of up to 15 years.

RV Loans

Snowmobiles and four wheelers were never easier to buy.

Home Mortgages

The American Dream, owning your own home. Financing of up to 80% loan to value for as much as 30 years. Prequalification will let you know exactly what you can afford.

Home Equity Loans/Lines of Credit

Unlock the purchasing power of the equity in your home. Loans can be used to finance that new kitchen or bathroom or whatever is important to you.

Unsecured Loans

Signature loans requiring no collateral. Up to $20,000 per member based on your credit score. No credit? No worries, we can start small and help you build great credit.

Mobile Banking

Access your bank accounts on the go from your smartphone or tablet! Download our free App from the Apple App Store or Google Play, and enjoy the freedom to bank anywhere! Enroll in our Mobile Check Deposit service and you can make a deposit simply by taking a picture of your check. You can also pay bills, transfer money to friends and family, temporarily or permanently deactivate your debit card, and much more! Data and message rates may apply.

Online Banking

You are in full control of your money with our online banking program. Take advantage of Bill Pay, which gives you the ability to pay most of your bills in one convenient location right through your online account, for free! No more logging into each of your bill’s individual websites. Or, see how easy it is to transfer money to family members or friends. Bank-to-Bank Transfers provides you with the capability of transferring money between your personal accounts at Adirondack Regional Federal Credit Union and other financial institutions. Intuit’s Direct Connect provides you the convenience of downloading your daily transactions to Quicken so your account is always reconciled.  Plus, you can print statements, view check images, make loan payments, and much more!

Debit VISA® Card

Discover why the only card you’ll ever need in your wallet is your Visa Debit Card! Use your card for everyday and big purchases, and the amount will be automatically deducted from your checking account, helping you keep track of your spending. Plus, if you need cash, your Debit VISA® also serves as your ATM Card, and can be used worldwide. Speaking of ATMs worldwide, enjoy surcharge-free access to your money at any of Allpoint’s 55,000 ATMs.  Our Debit Card is also compatible with Google Pay and Apple Pay!

VISA® Rewards Credit Card

Our Visa Rewards Credit Card gives you hometown convenience, worldwide acceptance, and great benefits! Increase your purchasing power with our credit card and enjoy benefits like competitive rates, fraud monitoring and zero fraud liability, travel benefits, 24/7 client service, and much more! Plus, earn and redeem points for merchandise, rental cars, cruises, hotels, and airline travel with no blackout dates!  If you are a current cardholder and need to access your account details, visit


eStatements are paperless statements sent to your email, available for clients with Online Banking accounts. You will stop receiving paper statements in the mail once you enroll in eStatements. It is a safe way to view, search, save, and print your account statements. We’ll send you an email reminder whenever a new statement is available. To sign up, log in to Online Banking and follow the instructions on the eStatements tab.

Overdraft Protection

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient, and potentially embarrassing experience. At Adirondack Regional Federal Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide Overdraft Protection, a special overdraft service for our clients. Click for important disclosures.

Telephone Banking

Bank by phone 24 hours a day at 1-(800) 463-1853. Check account balances, transfer money between your accounts, and stay informed on your transactions. Call your branch for a PIN to get started.

Contact Us

Tupper Lake 518-359-2921  /  Plattsburgh 518-562-0221  /  Potsdam 315-268-1440

Questions on your ATM/Debit Card?  Click here…