Tupper Lake, NY 12986
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD 0.50% 0.95% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Adirondack Regional is an NCUA insured institution located in Tupper Lake, NY. It was founded in 1947 and has approximately $53.31 millions in assets.

NCUA Insured Yes
Charter Number # # 5546
Date Established 1947
Assets $53.31 million
Loans $27.31 million
Deposits $48.64 million
Capital $4.50 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Clinton, Essex, and Franklin Counties of New York and select areas of St. Lawrence County. Membership is also open to employees of select companies, schools, and other organizations.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
1.25% $2,500 $2,999 Learn More
Money Market
1.25% $10,000 $14,999 Learn More
Money Market
1.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for ADIRONDACK REGIONAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Adirondack Regional branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Adirondack Regional Locations

Financial Details

Adirondack Regional Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adirondack Regional. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Adirondack Regional U.S. Average
11.52% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Adirondack Regional had $539,073 in non-current loans and $0 in owned assets. To cover these potential losses it had $4,496,952 in net worth and $181,549 in loans loss reserves. That gives it a Texas Ratio of 11.52%.

Net Worth
Adirondack Regional U.S. Average
8.43% 13.61%

Adirondack Regional FCU has a net worth of 8.43% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Adirondack Regional

Branches and Savings

What is Adirondack Regional?

A federal credit union, registered with the NCUA under certificate #5546.
Learn more about credit unions here.

Is Adirondack Regional FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Adirondack Regional?

Please see Field of Membership information above for information on who is eligible to join.

What are Adirondack Regional's share account and share certificate rates?

Adirondack Regional's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Adirondack Regional?

Adirondack Regional has total capital of $4.50 million. Full information on Adirondack Regional's financial position is located above.

Who owns Adirondack Regional?

Credit Unions are owned by their members.

Where are Adirondack Regional branches located?

See branch locations nearby.

Are Adirondack Regional ATMs Open 24/7?

Do Adirondack Regional ATMs accept cash deposits?

Can Adirondack Regional customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Adirondack Regional have a mobile app?

Does Adirondack Regional have mobile deposit?

Does Adirondack Regional have quick pay?

How can Adirondack Regional transfer money to other banks or credit unions?

Does Adirondack Regional report to credit bureaus?

Does Adirondack Regional use Chexsystems?

Does Adirondack Regional use Equifax?

What is Adirondack Regional's toll free phone number?

What is Adirondack Regional's ACH Routing Number?

What is Adirondack Regional's SWIFT code?

Where can I find Adirondack Regional's wire transfer form?

What is the Adirondack Regional address for deposits?

What Products Does Adirondack Regional Offer

Does Adirondack Regional offer mortgages?

Compare mortgage rates here.

Does Adirondack Regional offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adirondack Regional offer auto and RV loans?

Compare auto loan rates here.

Does Adirondack Regional offer student loans or personal loans?

Compare personal loan rates here.

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