Every member is an owner of the Credit Union. Shares held in a savings account are the primary benefit of that ownership. A minimum deposit of one share - $5.00 is required for membership.

Deposits can be made by

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  • Mail (checks or money orders, only, please)
  • Direct Deposit from our sponsors, most other employers and pension programs such as Social Security, NYS Retirement systems and private pension systems
  • Messenger service from participating sponsors (checks or money orders, please)
  • EFT - electronic funds transfers from any participating source
  • ATM - at Wegmans
  • MAC counter service at Tops with ATM card
  • Members at our office

Withdrawals can be made

  • At most ATMs using your Visa Check Card (Checking only) or your CO-OP ATM card (Savings & Checking). Look on the back of the card for available networks
  • By fax, phone or Teller 24 request; a check will be sent to your home address
  • By members with identification at our office for cash or check, including checks payable to a third party.

Dividends are declared and paid quarterly by the Board of Directors. Statements are sent to members quarterly along with a our newsletter.

The most recent dividend was declared at 1.51% APY for balances greater than $2,500. The rate was 1.26% APY for balances between $250 and $2,499.99 and 1.00% APY for balances less than $250.

ATM service is available for deposits and withdrawals from Shares (Savings) Accounts and Share Draft (Checking) Accounts

When a member's Shares Account is inactive for three or more years and the balance is less than $100, an account fee of $6.00 is charged each quarter. An account Is "inactive" when there is no deposit or withdrawal by the member. Payment of dividends is not classified as account activity. After five years of inactivity, the account is declared abandoned under New York State Law and turned over to the Office of the State Controller.

When you make a deposit or withdrawal by phone, fax or mail, please be sure to give us exact directions in your request. Include account numbers if possible. Give us a daytime phone number to reach you if we have questions. Attention to these details will help us provide quick, accurate service - just the way you want it. We may call you or ask for identification to verify the transaction.

 
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