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Please be our guest March 28th at The Italian American Club, Watertown NY for our annual Dinner Meeting! Tickets are on sale now just $10.00 for members & $17.95 for non-members. The night will be filled with food, drinks & free giveaways!
Come into the Credit Union or call 782-6476 for more information.
We are looking forward to seeing you!
Keep Your Money Local, Your Deposits Change the Future of Others!
Find Out How $5.00 Can Change Your Future! Join the C.U
"Hometown Banking At It's Best!"

At the Credit Union

You're Not a Customer, 

You're an Owner!

Open Your Share Account Today &

Unlock Your Future at the Credit Union!












Share Accounts  

Share accounts work the same way a savings account works. Members must deposit their initial $5.00 into the account. Share accounts earn dividends each quarter with a mimimum average daily balance of $100.00. Members with share accounts have the privilage of check cashing, direct deposit, submitting a loan application, opening a club account, and much more.

     Membership Application

     Home (Online) Banking

     Account Change/ Address Change Card  

Checking Accounts

Our "No Charge/ Free" Checking account, has no monthly fees, no per transaction charges, and no mimimum balance requirements. We also offer a "free" debit card for any checking account.

     Additional Account Card

     Debit Card Application

     Courtesy Pay


The Credit Union offers many different loan products to meet our members needs: Home Equities, Vehicles, Motorcycles, RV's, Campers, Line of Credit, ATV's, Snowmobiles, Seasonal Loan Specials (Christmas, Holiday, Vacation, ect), Debt Consolidation, Credit Builders, Home Maintanence and much more!

     Loan Application

     Home Equity Application

Youth Shares

A higher yield savings account for members under the age of 18. The average dividend is .15% higher than the traditional share account.

Club Accounts

No mimimum deposit or regular deposit is required. You can choose to have systematic withdrawals from your share or checking account on a regular basis or make deposits at your leisure. Dividends are paid at the end of the term, and monies are sent to members via mail in early October. A minimum of $25.00 average daily balance is needed to recieve a dividend.

     Club Form

Term Share Certificates

Commonly known as Certificates of Deposit, they are geared toward long term savings and offer a higher dividend rate than traditional savings accounts. The Credit Union offers 12 month certificates. Some restrictions apply please call for more details.

     Term Share Form



 Student Loan Partnership with Sallie Mae