IMPORTANT BRANCH UPDATES AS OF 1/15/2021:

ALBANY BRANCH TEMPORARILY DRIVE-THRU ONLY – LOBBY ACCESS BY APPOINTMENT ONLY

TROY BRANCH TEMPORARILY DRIVE-THRU ONLY - LOBBY ACCESS BY APPOINTMENT ONLY

With COVID cases on the rise in our communities, please understand that additional closures or changes to our branch availability may be necessary. Please call 518-286-1611 (Troy) or 518-456-1611 (Albany) to check branch availability or to schedule an appointment.

We encourage all members to utilize our night drop, ATM locations, digital banking or to contact us by phone when possible. For further details, please visit www.schoolfcu.com. Thank you for your patience and understanding.


Locations & Hours | Applications & Forms

Certificate Secured Loan

The Share Certificate Secured loan allows you to use funds already in your credit union account, that are converted to a Share Certificate and pledged as collateral to your loan. This is a great option when you want to keep funds in the credit union earning interest, but need use of the funds for any reason. The rate that you pay back on the loan is two percentage points over the rate the secured funds are earning in the Share Certificate.

  • Share Certificate Secured Example: Earning 0.45% in a Share Certificate you could borrow up to the amount in that account at 2.45% (the Share Certificate is pledged for the same dollar amount and term as your loan and funds remain in the certificate until the end of the term and loan is paid in full).

Co-Op Shared Branch

With over 5,000 locations nationwide your credit union will be wherever you decide to go.

Capital Financial Planning LLC

Your source for investment advice, financial plans, wealth management and investment advisory services.

Kasasa Care

Whether you’re looking to get a jump on Open Enrollment or get protection for your belongings or identity, we’re here to do the heavy lifting.

Foreign Currency

Traveling out of the country? Order your foreign currency ahead of time with eZforex.

Learning Center

Browse resources, links and information to help you manage your finances.