Tri-Lakes Federal Credit Union

Your local credit union for the Tri-Lakes & Adirondack regions

BEWARE OF TEXT OR EMAIL SCAM MESSAGES!!!!

This time of the year phishing/smishing scams become more prevalent. Do not respond to text or email messages unless you are 100% sure it is something that you have done. USPS text scam is the big one going around. USPS will NEVER send you a text with a clickable link in it. They also will not text you unless YOU signed up for that service! When in doubt, give us a call and we can help you figure out if it is a legitimate text or not.

Upcoming Loan SPECIAL!!

Think Spring & Think NEW Car! For the month of March 2025, we will be offering a loan special on NEW autos, with rates as low as 5.25% apr*. Other Rates and Terms may apply. NEW vehicles only. *Annual Percentage Rate. Contact the Lending Department today for more information or to get PRE-APPROVED before you go shopping! Knowing you are pre-approved takes some of the stress out of the car buying process!

Welcome to Tri-Lakes Federal Credit Union

Our mission is to consistently deliver prompt, courteous service to our members, achieve superior, long-term overall value for our members and create an environment that promotes and rewards the development and positive contribution of our employees.

Local Lending

All lending decisions are made right here in our main office by someone you know and trust. Our kids may go to school together or play on the same sports team. We are out there in the community with the members that we serve. When you put your trust in Tri-Lakes FCU you are investing in your future, and the future of our community.

Local Mortgages

You find the home. We’ll handle the mortgage. Tri-Lakes FCU has built a partnership with leading mortgage professionals who know the business and care about our members and the importance of good honest, friendly service. Work with a lender who understands the unique challenges of the Adirondack Region, and our community.

Local Service

Tri-Lakes Federal Credit Union is your Full Service Financial Institution. We want to become your primary banking source. We offer a full line of products and services to fit the needs of everyone. Whether you are looking for a place to save a little money, open a fee free checking account or apply for that new car loan or mortgage, we can help!

Locally Invested

When you join Tri-Lakes Federal Credit Union you are investing in your community. Our members are our shareholders. Our Board of Directors and Supervisory Committee are all volunteers. Credit Unions look out for their members’ interests and provide a level of service that that is both personal & professional.

Why do customers choose our services?

We're your trusted partner for all of life's financial needs

We Prioritize Members Over Profit

Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees. Credit unions are economic democracy.

Each credit union member has equal ownership and one vote, regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner. Each credit union is governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily.

All Decisions are Made Locally

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Great rates & lending terms

Convenient Member Services

Invested in the Community

Amazing place with such amazing people. The staff is always friendly, polite, and helpful whether in person or on the phone. Great management has made this place rise to new standards. Thanks for all you do!