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Account Terms

All accounts are subject to the:

Printed copies are available at your request. You may obtain a printed copy by calling (315)471-1116 or by visiting one of our offices.

Dividends will begin to accrue on the business day you deposit funds into your account. If you close your account before dividends are paid, you will not receive the accrued dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Although funds deposited earn dividends from the date credited to your account, your ability to withdraw funds is governed by the Credit Union's Funds Availability Policy.

The Credit Union may close your account and terminate your membership if you do not maintain a minimum share account balance of $5. The credit union reserves the right to require up to 60 days notice for withdrawal from any account.

Fees and Charges

The fees and charges that may be assessed against your account are disclosed in a separate Schedule of Fees. Fees may reduce your earnings.

Cooperative Federal accounts are federally insured by NCUA Cooperative Federal is an Equal Housing Lender
Cooperative Federal is an equal housing lender
Cooperative Federal accounts are federally insured by NCUA