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Phone: (518)483-8668 Fax: (518)483-8808
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Loan Products

The Credit Union has money to lend for any provident and productive purpose within established loan policies and in accordance with federal and/or state regulations. Any member may apply. Loans are approved by considering past credit history, employment stability, collateral and ability to repay the loan.

The Credit Union provides prompt approval time and offers competitive interest rates and terms. Finance charges are calculated as simple interest on the unpaid balance daily, so there is never a penalty for early repayment. Payroll deduction is available - there isn't an easier way to make every payment on time! Loan payments from payroll deductions can be directly applied to loan.


Current Loans Include:

  • New Vehicles - 100% Financing for that new car or truck.
  • Mobile Homes - Real estate secured.
  • Personal Loans - secured and unsecured.
  • Credit Life and Disability Insurance and available at low group rates.
  • Used Vehicles - NADA Loan Values.
  • New and Used Boats, Motorcycles, RV's.
  • Share Secured - Pledge shares or certificates on deposit of the Credit Union as collateral and receive reduced interest rates.
  • Home Equity Line of Credit - flexible terms and no closing cost.
  • First Mortgages - purchase a home or refinance your present home - Owners Choice Funding (1-800-342-4998)
  • Home Improvement Loans - Low fixed rates and fast approval
Monday-Friday: 8:00 AM - 5:00 PM
Saturday: 8:30 AM - Noon (Drive-Thru only)
Holiday Schedule
This credit union is federally insured by the
National Credit Union Administration.

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Accessibility Statement

Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all members. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (518) 483-8668 for assistance. Products and services available on this website are available at our office located at 494 East Main Street, Malone, NY 12953.