Our new data processing system has a new way of naming our different accounts and loans.
We have an online list of the different account types, which may be helpful when using Web Teller or Phone Teller especially.

Paying HUGE interest rates for your car loan?

If you have an auto loan from another financial institution, you can refinance at our special low rates.

Rates as low as 4.45% APR*.
Call Patricia at 473-0212.

Sick of Owing Big Bucks to Big Banks?

Cancel your credit card debt and pay less in interest with a debt consolidation loan from Cooperative Federal. Go ahead, stick it to the man.

Rates as low as 6.45% APR*.
Call Greg at 473-0230.

Thinking about Home Improvements?

Give your home some TLC, or invest in an energy-efficiency boost. You can get a low-cost loan for a new roof, replacement windows, solar panels... or any other pet project you've be dreaming about.

Rates as low as 4.45% APR* for 36 months.
Call Greg at 473-0230.

*Annual Percentage Rates. Rates are based on credit score, payment method, length of loan, downpayment amount, and collateral value.

Credit unions have been keeping their members’ savings Safe and Sound for over 150 years. Because Cooperative Federal keeps 100% of member savings right here in Syracuse, in the form of loans to other members—-not on Wall Street—-your money is as safe as ever despite the foreboding economic outlook. We are well capitalized, and have NO money invested in the stock market, Lehman Brothers, Bear Sterns, AIG, Fannie Mae or Freddie Mac. Plus, Federal insurance from the National Credit Union Administration (NCUA)guarantees that all Cooperative Federal accounts are insured to at least $250,000, and backed by the full faith and credit of the U.S. government.

Under new federal legislation, insurance from the National Credit Union Share Insurance Fund (NCUSIF) has increased from $100,000 to $250,000.
To learn more, visit the NCUA web page or ask a teller for a Share Insurance Brochure.

Want to move your money into an insured, high-yield Cooperative Federal savings certificate? Call Leyanis at 473-0240 or check out our great rates and terms. When you keep your savings in Cooperative Federal, you get the added satisfaction of knowing that your money is being used in a socially responsible way, right here in Syracuse.

Cooperative Federal is committed to providing up-to-date financial education and support to our community!

Identity theft is the fastest growing crime in the nation; some sources estimate as many as 1 in 5 people are affected.

To help you prevent identity theft from happening to you -- and to recover if it does! -- Cooperative Federal is providing free Identity Theft Kits in our lobby at 800 N. Salina St.
Come in to pick one up Monday through Friday, between 12 pm - 6 pm.

More info on how to prevent ID theft

The 2009 Annual Meeting was a great event! Over 80 credit union members attended the meeting, voted for the Board of Directors and Credit Committee, heard reports, and asked questions.

View our 2008 Annual Report.

On Wednesday, December 10, Cooperative Federal was one of just six community development financial institutions (CDFI) from across the nation to be honored with a 2008 Wachovia NEXT Award. The awards, announced at the 2008 Opportunity Finance Network (OFN) Conference in Albuquerque, New Mexico, are among the most prestigious awards for responsible lending in the U.S.

Picture yourself debt-free. Good credit. Spare money. Less stress.
Cooperative Federal is currently accepting enrollment for two money management classes. Contact Nick at 473-0223 for more information or to sign up.

• Your Money, Your Life


Our personal financial empowerment course.

Over six sessions, discuss budgeting, finding the best interest rates, understanding credit, take a look at your own credit report, and more.
Light dinner is provided.

Tuition for the course is on a sliding scale, from $24 - $120; we ask that you pay what you can.

• Money Club


The Money Club is an opportunity for folks to meet and support one another's financial goals in a relaxed but guided setting.

Cooperative Federal's trained facilitators will lead the group through the process of setting goals, tasks, and plans and will provide financial knowledge and expertise to fit the needs of the group.

This course is meant for people who have a basic foundation in money management skills but who need support, knowledge and motivation to achieve their dreams. This course will meet twice a month for 3 months.
Light dinner will be provided.
Course tuition to cover costs is on a sliding scale, $24 to $120; please pay what you can.

On Wednesday, October 15, 2008, a coalition of Central New York Credit Unions landscaped a home in Syracuse’s Near West Side neighborhood to commemorate International Credit Union Week. The beautified home, located at 166 Grace Street in Syracuse, has been renovated by Home HeadQuarters, Inc. and will soon be sold to a low-to-moderate income, first-time homebuyer.

On Friday, September 12, the mayor's office announced a new loan fund for minority and women contractors, in partnership with your credit union, Cooperative Federal.

The city is working with Cooperative Federal to establish the fund. The program aims to help minority and women contractors in the city sustain and expand their businesses by providing short-term, work-capital loans.

If the Credit Union is ever forced to close due to an emergency (fire, weather, hailstorm, etc.) information will be posted on this website. We will also notify local radio and television stations. In addition, you can call 1-877-CULOCATE for information and updates during an emergency.