Tri-Lakes Federal Credit Union

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

We Are HIRING!!
Tri-Lakes FCU is looking for a friendly, outgoing person to join our team as a Member Service Representative (Teller). This position may be full or part time for someone who can be flexible with their hours. Applications are available here on the website under the About Us section or at either office. Applications can be returned to hdeforest@trilakesfcu.com or at any of our locations.
47th Annual Meeting of the Membership
Please join us June 17th, 2025 at 6:00 pm for the 47th Annual Meeting of Tri-Lakes FCU. Main Office, Saranac Lake.

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

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.

Great rates & lending terms

Convenient Member Services

Invested in the Community

Alaina W.
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!

Financial Education

Learn how to improve your finances with our financial education articles