Whether you have $5.00 or $50,000 at CFCU, get ready for a top-notch experience.

Have you ever banked with a financial institution whose sole focus is on you, and not stockholders? We don't even have stockholders! Take a look below as to how this will impact you, or just go ahead and join now. This is a great decision for your financial health!

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Who can join?

Anyone who lives, works, worships, or attends school in Tompkins, Cortland, Cayuga, Ontario, or Seneca County, as well as any business or organization located in Tompkins, Cortland, Cayuga, Ontario, or Seneca County, is eligible to join. All we ask is that you maintain $5.00 in your Savings Account.

Is your brother in Jersey going to be jealous?  Perhaps, but he doesn't have to be! In each instance where a person is eligible for membership, his or her spouse, and their lineal ancestors and descendants, including persons related by adoption, are also eligible for membership!

Worried you might not be a member for life?  Don't worry, be happy! Once you are a member at CFCU, you are a member for life*. Our Digital Banking makes it easy to continue to conduct business with us, and you can continue to benefit from our outstanding loan rates and deposit yields! (It doesn't hurt that 1 in every 12 ATMs in the country are in our network either, does it?)

*Member share must remain open to maintain membership. If member share is closed, one must meet our membership eligibility requirements at the time of re-establishing membership.

Sold on the idea of becoming one of our 70,000+ member-owners?

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Our Products

We are a full-service financial institution (that means we have everything you need). When we offer a member a product, we are genuine in our intentions. When educating you about a product you don't already have, it is our goal to ensure it would benefit you. Our hope is to make you more money, save you more money, protect your money, and make access to key financial information easier.

Let us help you more, become a valued member-owner today.

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Still not convinced? No problem! Read on to learn more about our how we differ from any other financial institution you'll ever meet.

Your Bottom Line

How does a credit union differ from a bank? What a deal!Many point to our lower loan rates, and higher dividend returns... but it is always comforting to know specifics isn't it? Last year alone, we not only helped 657 individuals and families in Cortland and Tompkins County achieve the dream of home ownership, we saved them over half a million dollars in closing costs through our No Closing Cost Mortgages.

Amazed yet? If so, go ahead and join today!

Still looking for more proof we are the most incredible local financial institution you could ever come across? Read on...

More than banking.

Hard at work!Our focus and commitment to our communities is apparent to anyone living in Tompkins, Cortland, Cayuga, Ontario, or Seneca County. Our staff, including our President and CEO, spent over 1,000 hours volunteering time and effort to over 100 local non-profits in the area. As an organization, CFCU gave back to Tompkins and Cortland County in the form of scholarships, awards, monetary support, and sponsorships. This made CFCU not only one of the strongest financial institutions in the nation, it also made us one of the most impactful.

As a rule of thumb, as CFCU grows and becomes stronger, so do our local communities!

Become a Member Today!

Looking for support?

One of our most important guiding principles continues to be the belief that giving back by volunteering time, energy, money and expertise will make our communities better places to live and work. 

Would you like your organization to be considered?

Donation Request Form