BRANCHES WILL OPERATE AS DRIVE-THRU ONLY ON SATURDAY OCTOBER 23rd, 2021: Due to staffing challenges, we regret to inform that both our Albany and Troy branch lobbies will be closed on Saturday October 23, 2021. Our staff are happy to accommodate most requests during our regular Saturday hours 9am-1pm at the drive-thru or by phone at 518-286-1611. Both branches plan to resume regular lobby and drive-thru access on Monday October 24th. Thank you for your understanding and patience.

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.

Study Hall

A place for you to come and explore a wide range of financial topics. Let us be your trusted source of honest and easy to understand financial advice.

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.