New Products And Services

Bill Pay is now only $2.65 per month! Pay your bills online and avoid paying for checks and stamps. Enjoy the security of online payments!
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Virtual Branch

Check your balances, transfer funds or make a loan payment from your computer with Online Banking! Bill Pay 4U allows you to pay your bills out of your checking account over your home computer. Make sure payments arrive on time and never worry about running out of stamps again!

If you are interested in these services, please stop by any of our five locations and a service representative will be happy to enroll you. Access the Virtual Branch at https://www.netit.financial-net.com/adkcu/. You can test a demo of the service on the site. Check imaging is available to download and print your canceled checks.

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Message From Mike

As I reflect upon my career at the credit union, what is in my mind the most is the people I leave behind. I have had the privilege of working for and with some amazing people throughout my 24-year career at this credit union. I want to thank those people for an incredible experience and many wonderful memories.

Thank you to the employees who work so hard to meet the needs of all of our members. I feel confident leaving our members in your capable hands.

Thank you to the Board of Directors and Supervisory Committee members who work hard to ensure the success of our credit union.

Thank you most of all to the members for your trust and support throughout the years.

We have grown from the guard shack on Sunmount’s grounds to a five-office, four-county $36.3 million operation. None of this would have been possible without the wonderful staff and members. I ask for the same wonderful support and trust you have placed in me since I started at this operation in 1984, for our new CEO, Cathy Staves.

Cathy is a familiar face to everyone. She has been with the credit union for almost 20 years and has worked her way up through the ranks. She is very familiar with all of our operations and will continue to lead the credit union with confidence.

This transition should be smooth, but we would appreciate your patience during this process. I will continue to lurk around the credit union on a consultancy basis, but Cathy will be leading you and your credit union into the future.

Let’s wish her all the best and offer our support.
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Newsletters

What is a Credit Union?

Credit unions are not like other financial institutions.
1. They are cooperatives, owned and managed by their members.
2. There are no outside stockholders; therefore, a percentage of the credit union's earnings are returned to the member in the form of dividends on savings, reduced rates on money products, and better service.
3. Credit unions are safe financial institutions. This Credit Union is federally insured by the National Credit Union Association.


4. Credit union members share something in common. They may work at the same employer, attend the same church, belong to the same professional group or live in the same community. Only people within the credit union's field of membership may join the credit union and use its large array of services. However, after joining a credit union, the member is always a member regardless of future employment changes. The slogan "ONCE A MEMBER, ALWAYS A MEMBER" is used to describe this lasting and rewarding relationship between a credit union and its members.

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History of the Credit Union

The Adirondack Regional Federal Credit Union, a not–for–profit corporation, started in 1947 as part of the Veteran's Hospital in Tupper Lake, NY. The credit union provides multiple financial services to 8,000 members throughout four northern New York counties. ARFCU is $33 million in size with offices in Tupper Lake, Potsdam, Wilmington, Saranac Lake, and Plattsburgh; and employs approximately 23 people.

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Mission Statement

To provide a wide range of quality financial services based on the changing needs and aspirations of our members and to operate in a financially sound, secure, professional, and confidential manner. We are proactive in developing and maintaining a positive interaction among our members, staff, and communities we serve.

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Important Information on Scams

Generally fraudulent emails want you to verify your account information due to a security breach. If you don't know where an email came from, call your financial institution – but use a phone number from your statement. Do NOT use any phone number listed in the email!

If you suspect you have been a victim, call the police immediately. Also, report it to your financial institutions and closely monitor your credit reports.