Adirondack Regional Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.adkcreditunion.com

518-359-2921

280 Park St
Tupper Lake, NY 12986

Adirondack Regional Federal Credit Union is headquartered in Tupper Lake and is the 100^th largest credit union in the state of New York. It is also the 2,002^nd largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 15 employees and 7,127 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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

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

Overall
NCUA #	5546
Year Chartered	1947
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	13.05%
Annual Interest Income	$895K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$83.2MM$88.8MM
Loans	Q1 2025vs Q1 2024	$51.1MM$59.1MM
Deposits	Q1 2025vs Q1 2024	$75.9MM$73.6MM
Equity Capital	Q1 2025vs Q1 2024	$7.1MM$6.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$486K$511K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$407K$411K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Regular Shares
0.10%	$100	-	Christmas Club Account
0.10%	$100	-	Vacation Club Account

Adirondack Regional Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$2.5k^*	$75k	Share 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

APY	MIN	MAX	ACCOUNT NAME
2.50%	$1k	-	1 Year Share Certificate
1.15%	$1k	-	2 Years Share Certificate
1.00%	$1k	-	5 Year Share Certificate
0.80%	$1k	-	4 Year Share Certificate
0.65%	$1k	-	3 Years Share Certificate

Adirondack Regional Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$15k^*	-	Regular IRA Shares
OTHER TIERS: 0.10% → $0 - $15k

Locations

Adirondack Regional Federal Credit Union Locations
Branch Office	280 Park St	Tupper Lake, NY 12986-1909
Branch Office	166 Market St	Potsdam, NY 13676-1238
Branch Office	672 State Route 3	Plattsburgh, NY 12901

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