Phone Lines -

One of our main phone lines, 471-1116, was not working properly, starting on Sept 4. We fixed this issue on September 8th and this line is working correctly now.

We understand how important it is for you to have access to your account, and how upsetting it is when you cannot reach us.

We never plan or expect to have any of our numbers not work, but in the unexpected event that one does, there are additional ways to get in touch with us.

(315) 473-0220 – This is our main member service number. This is the best way to reach an available member service representative when we are open. You can also leave a message when we're closed. Each office also has a direct member service number - 473-0260 for Southwest, 473-0270 for Westcott, and 473-0280 for North Salina. If no one at that office can answer at that time, your call will then go to all offices so you can speak with someone.

(315) 473-0242 – This is our general lending department number. If you have questions about your loans, or general credit questions, give this number a call.

(315) 476-1451 – This is our financial classes & counseling number.

And, finally, (315) 671-CASH or 671-2274 is our automatic “phone teller” that you can use to hear your balances, history, and to make transfers or payments by phone,24 hours a day, 7 days a week. Direct lines for all staff members are also all posted on the website.

Account Names

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.

Loan Specials

Paying HUGE interest rates for your car loan?

If you're shopping for a new or used auto, get pre-qualified for a loan at Cooperative Federal before you shop. It can save you a bundle!

Already have a high-cost loan from another lender? Ask us about refinancing into a better loan.

Rates as low as 3.95% APR*.
Call Nate at 473-0275.

Sick of Owing Big Bucks to Big Banks?

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

Rates as low as 5.95% APR*.
Call 473-0242.

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 4.20% APR* for 36 months.
Call Susan at 473-0231.

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

Keeping Your Money Safe & Sound

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.

Dealing with Identity Theft

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

Cooperative Federal Wins National Community Impact Award!

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.

Did you make a money matters resolution for New Years?

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.

"People Helping People" to Celebrate Credit Union Week 2008

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.

Loan fund for minority and women contractors

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.

In Case of Emergency

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.

Cooperative Federal is a non-profit financial services cooperative operated for the mutual benefit of its members. Cooperative Federal provides financial services to individuals, organizations, and small businesses in the local community. Members receive old-fashioned personal service.

Through common control of its resources and socially responsible use of its assets, Cooperative Federal creates economic power for this community. Cooperative Federal supports neighborhood planning, economic democracy, and cooperatives to provide for people's needs.

Cooperative Federal es una cooperativa de servicios financieros sin fines de lucro que opera para el beneficio mutuo de sus socios. Cooperative Federal proporciona servicios financieros a personas individuales, a organizaciones, y a las pequeñas empresas en la comunidad local. Los socios reciben una gama de servicios personales especializados.

Con el control común de sus recursos y uso social responsable de sus activos, Cooperative Federal crea el poder económico para esta comunidad. Cooperative Federal apoya al planeamiento de la vecindad, la democracia económica, y coopera para proveer las necesidades de la gente.

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