Over 75,000 individuals in Tompkins, Cortland, Seneca, Cayuga, and Ontario Counties turn to CFCU for their savings needs!

It's easy to see why.

This account represents your membership at CFCU. All we ask is that you maintain a minimum of $5 in it, and we'll provide you with a variety of electronic services, access to our amazing deposit products, loan options, and a voice in one of the most impactful, not-for-profit financial institutions in the country.

Our Savings Account even pays dividends with only a $100 daily balance average!

Learn more about joining CFCU.


  • No monthly service fees.
  • Low $5 minimum balance requirement.
  • Dividends paid with only $100 in the account.
  • Free access to online services including Digital Banking, and the popular CFCU Spending Tool.
  • Freedom to create sub-savings accounts to help you save.
  • Peace of mind with NCUA insurance coverage to at least $250,000.

$5,000 Quarterly Prizes!

Simply save for a rainy day and have a chance at prizes up to $5,000!

Learn more about the CFCU Lucky Savers program


Table data for Savings & Goal Savings Account Rates
 Rates as of 9/1/2022
Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05% Receive a notification when this rate changes

Truth in Savings Disclosure

  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

Direct Deposit

Setting up your Direct Deposit:

Why wait for your funds to become accessible when you can set up Direct Deposit and access them quicker? Head to your Human Resources / Payroll Department today and give them our Routing Number (221381540) and your MICR number at CFCU. This convenience can also be set up with Retirement Checks, Social Security, and other Federally recurring payments.

  • What is a MICR number and how do I find it?

    The MICR number appears at the bottom edge of a check. MICR stands for Magnetic Ink Character Recognition. The ink is read electronically by a machine for security and record-keeping purposes.

    Personal Check

    Business Check

Any questions about how to set up Direct Deposit for your particular situation? We're here to help in person or on the phone.

Contact Us

Member Solutions

(Mon-Fri. 8am-5:30pm; Sat. 9am-12pm)

607-257-8500 or toll free 800-428-8340

CFCU Insurance Services

(Mon-Sat. 8am-8:30pm)


Telephone Banking

607-257-8113 or toll free 800-782-9413

Suspected Fraud/Lost/Stolen Debit Card


Suspected Fraud/Lost/Stolen Credit Card

866-205-8314 (Domestic) or 703-463-2473

CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.

Goal Savings Accounts

Goal Savings Accounts

Many of our members turn to CFCU for help in saving towards specific events occurring each year through our Goal Savings Accounts. You specify when you need the money, and we'll come up with a disciplined option to help you succeed.

Open a Goal Savings Account today within Digital Banking, over the phone, or at any branch.

Deposit at any time into these accounts, and/or set up automatic payroll transfers!

Learn more about Goal Savings Accounts!