Products & Services

Share/Savings Accounts

Regular Share

  • A minimum balance of $5.00 – along with a one-time entry fee of $5.00 – is needed to open a share/savings account.
  • No monthly maintenance fees.
  • Interest (dividends) earned on balances of $100 or more.
  • Regular Share/Savings account entitles member to use of the credit union’s full line of products and services.
  • Regular Share Accounts are subject to Regulation D.  See Account Disclosures for further details

Christmas Club

Enrollment begins October 1st of each year

  • No minimum deposit required.
  • Deposited any dollar amount at any time.  Deposits can be made through payroll deduction.
  • Interest (dividends) paid at a variable rate on balances of $100 or more.

Sub Savings Account

Sub savings accounts can be opened for any purpose.  You can save for vacation, taxes or just a rainy day.  These sub accounts stay separate from your regular shares.

Checking Accounts


Do you have a Direct Deposit coming to the credit union? Then Premier Checking may be right for you.

  • No Minimum Monthly Balance Requirements
  • Free VISA Debit Card (1st card order is FREE.  Replacement card $15.00)
  • Free Transactions at Tri-Lakes ATMs
  • Free Online Banking
  • Free Automated Telephone Access
  • Free Transactions at Branch Offices
  • Free Monthly Statements
  • Overdraft Line of Credit Loan available


You’re over 55 years young and looking for a great checking account.

  • No Minimum Balance Requirements
  • No Monthly Service Fee
  • Free VISA Debit Card (1st card order is FREE.  Replacement card $15.00)
  • Free Transactions at Tri-Lakes ATMs
  • Free Online Banking
  • Free Automated Telephone Access
  • Free Monthly Statements
  • Overdraft Line of Credit Loan available
  • Discount Check Orders

Choice Checking

You’re looking for a basic checking account with unlimited transactions and no minimum balance requirements

  • No Minimum Balance Requirements
  • Monthly Service Fees Only $2.00
  • VISA Debit Card -$1.00 per Month
  • Free Transactions at Tri-Lakes ATMs
  • Free Online Banking
  • Free Automated Telephone Access
  • Free Monthly Statements
  • Overdraft Line of Credit Loan available
  • This account does not require a direct deposit

Your Tri-Lakes Federal Credit Union checking account automatically comes with overdraft protection from your Tri-Lakes Federal Credit Union savings account. If funds are not available to cover a check or approved electronic debit from your checking account, the funds, if available, will be transferred from your savings account, saving you from costly overdraft fees and the embarrassment of a returned check.   The transfer fee for each transfer is $10.00. Restrictions may apply. Refer to account disclosures.

Business Accounts

  • No minimum balance requirements.
  • Unlimited Checking
  • Coin and Cash access for change
  • Free Monthly statements
  • NCUA Insured - security of funds
  • No per check charges
  • No fee deposit corrections
  • Returned item fee $20.00
  • NSF fees will apply

Money Market

  • No monthly service or maintenance fees
  • Tiered Rate Structure
  • Unlimited withdrawals when made in person or at an ATM
  • 3 checks/month may be written on account
  • 3 automatic payments allowed per month
  • Free Monthly statements
  • NCUA Insured - security of funds
  • Free On-line Banking
  • Automated Response Telephone System


  • Low minimum balance for investing
  • Earns competitive interest rates
  • Although it is an investment account, funds are easily accessible
  • Security of funds


  • $2500.00 minimum deposit
  • Deposits are subject to Regulation D


  • No interest earned when balance falls below $2500.00
  • $25.00 per check if over 3 checks per month
  • $20.00 for each returned deposited/cashed item
  • NSF fees will apply

Share Certificates

A minimum deposit of $500.00 is required to purchase a Share Certificate.

  • Term lengths available: 12, 18, 24, 36, and 48 month. Current rates are posted on the website and in the lobbies of both offices.
  • Dividends are compounded monthly from the date of issue and not by calendar year. Dividends can be added to the Share Certificate, deposited into your regular share/savings account, or paid out in a check.
  • Upon maturity, a Share Certificate will renew automatically unless otherwise specified.
  • There is a penalty for early withdrawal and dividends are lost if redeemed before maturity date.


A credit union Individual Retirement Account (IRA) is a great way to begin saving for your retirement or a college fund for your kids. We offer three types of IRAs: ROTH, Traditional or Coverdell ESA (Educational).

  • Call or stop in today for more information.


We offer a wide range of loan products to fit the many needs of our borrowers.  Click Here to visit our products page for our Lending Department.

Direct Deposit

Tri-Lakes FCU offers the convenience of direct deposit. We have the forms needed to make the transition to direct deposit smooth for both you and your employer. Forms for Social Security direct deposit are also available. Stop in today for yours!

Payroll Deduction

Redeem US Savings Bonds

VISA Debit Cards

Reloadable Pre-Paid VISA card

Tri-Lakes FCU sells a reloadable VISA debit card that is not linked to your account.  This card is great for traveling, online shopping or to give to your teen to learn money management.  Cards can be purchased at either office and can be reloaded in the branch or over the phone.  *Fees apply

VISA Credit Cards

Click Here for Information on our VISA Credit Card Program

Wire Transfers

We offer incoming and outgoing wire services.  When requesting and outgoing wire please visit either branch to complete the necessary paperwork.  When receiving an incoming wire transfer please follow these instructions:

  • Wire to Alloya Corporate Credit Union – Routing # 221381715
  • Into the account of Tri-Lakes Federal Credit Union – Routing # 221382361
  • With further credit to (member’s name and account number)
  • The fee for an incoming wire transfer is $25.00
  • The fee for an outgoing wire transfer is $30.00

Notary Public (Saranac Lake Office Only)

24 Hour ATM (Both Locations)

Night Depository (Both Locations)

Audio Response Telephone Teller

Safe Deposit Boxes (Saranac Lake Office)

Online Banking with Check Images

eZforex Foreign Currency Purchase

Purchase foreign currency from over 100 foreign countries before you travel.  You can receive the shipment of your currency at your home, office or at the Credit Union.  And when you get back if you have money left over, bring it back and we can ship it back for you!

Courtesy Pay

Courtesy Pay is a service that adds a measure of protection to your checking account.  Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft transaction.  That means, instead of returning a check to the merchant because of insufficient funds, we may pay the check, saving you additional charges from the merchant.

How does Courtesy Pay Work?

Overdrafts on your checking account, up to the limit of $500.00 (including the amount of the overdrawn item and the NSF fee) may be honored by Tri-Lakes Federal Credit Union.  A $35.00 fee will be assessed for each item that creates a negative account balance.  You them have up to 30 days to bring the account current, either through a direct deposit, transfer of funds or a deposit at one of our branch offices.

Do I have to apply for this service?

This service is a feature of your checking account for processing checks and regular ACH payments, provided you maintain your account in good standing.  If you would like to have this service added to your ATM and or Debit card transactions you must tell us.  As long as you are an accountholder  in good standing which includes having an account with us for at least 30 days, you make regular deposits to that account, bring your account back to a positive balance regularly and there are no legal orders against the account your Courtesy Pay privilege remains activated.

How can I access Courtesy Pay?

Overdrafts may be paid utilizing your Courtesy Pay funds up to the limit mentioned for the following types of transactions:

  • Checks
  • ACH Items
  • *ATM
  • *Debit Card

**You must tell us in writing that you want to receive Courtesy Pay on ATM or Debit transactions.

Can the Credit Union stop my Courtesy Pay protection?

Yes.  Courtesy Pay is stopped if you are not in good standing or if you tell us not to pay your overdrafts.  There may be other reasons why we need to stop Courtesy Pay.

For more information, please contact a Member Service Rep at (518) 891-1666