Adirondack Regional Federal Credit Union

Overview / Commentary
280 Park St
Tupper Lake, NY 12986

Adirondack Regional Federal Credit Union is headquartered in Tupper Lake and is the 103rd largest credit union in the state of New York. It is also the 2,092nd largest credit union in the nation. It was established in 1947 and as of September of 2021, it had grown to 17 employees and 7,299 members at 3 locations. Adirondack Regional Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Adirondack Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Clinton, Essex, and Franklin, and select areas of St. Lawrence County. Membership is also open to employees of select companies, schools, and other organizations.
See current membership details

Related Posts

New Share 15 Money Market Account - 1/14/2022

Adirondack Regional has added a new Share 15 Money Market Account with tiered APYs. 0.10% - $100-$2,499 1.25% - $2,500-$74,999 0.40% - $75,000-$149,999 0.25% - $150,000+


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Adirondack Regional Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #5546
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD17.75%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$76.8MM$62.3MM
LoansQ3 2021vs Q3 2020$45.2MM$38.4MM
DepositsQ3 2021vs Q3 2020$71.0MM$57.3MM
Equity CapitalQ3 2021vs Q3 2020$5.5MM$4.7MM
Loan Loss AllowanceQ3 2021vs Q3 2020$174.00K$180.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$221.00K$157.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adirondack Regional Federal Credit Union Savings Account Rates

0.55%*$15k*-Regular IRA Shares
OTHER TIERS: 0.10% Up to $15k
0.10%$100-Regular Shares
0.10%$100-Christmas Club Account
0.10%$100-Vacation Club Account
0.10%$100-Tax Club Account

Adirondack Regional Federal Credit Union Money Market Rates

1.25%*$2.5k*$75kShare 15 Money Market Account
OTHER TIERS: 0.10% $100 - $2.5k | 0.25% $150k+ | 0.40% $75k - $150k

Adirondack Regional Federal Credit Union CD Rates

1.00%$1k-5 Year Share Certificate
0.80%$1k-4 Year Share Certificate
0.65%$1k-3 Years Share Certificate
0.50%$1k-2 Years Share Certificate
0.40%$1k-1 Year Share Certificate

Adirondack Regional Federal Credit Union Locations
Branch Office280 Park StTupper Lake, NY 12986-1909
Branch Office166 Market StPotsdam, NY 13676-1238
Branch Office672 State Route 3Plattsburgh, NY 12901

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