Membership

Eligibility

The Credit Union Difference

When you choose a credit union you’re a part-owner of that credit union – which means that earnings are paid back to you, not stockholders, in the form of higher dividends and lower loan rates.  St. Lawrence Federal Credit Union is a not-for-profit organization that proudly serves the community and supports hundreds of organizations throughout the St. Lawrence County region.

Why Join St. Lawrence Federal Credit Union?

When you become a member of St. Lawrence Federal Credit Union, you join a cooperative that’s over 12,000 members strong with six branches and access to over 30,000 ATM locations nationwide through our partnership with Co-Op Member Credit Unions. St. Lawrence Federal Credit Union offers a variety of products, services, and stability and is federally insured by the National Credit Union Administration (NCUA).

Joining is easy.  If you live, work, worship, or attend school in St. Lawrence County, Clinton County, Essex County, Franklin County, Fulton County, Hamilton County, Herkimer County, Jefferson County, Lewis County, Oneida County, Oswego County or Warren County in New York state, you are eligible to become a member.

To find out more information on becoming a member, we welcome you to visit any St. Lawrence Federal Credit Union branch (click here for our branch locations), call (315) 393-3530, or click below to open an account now.  We look forward to assisting you! 

Switch Today

Switch to St. Lawrence Federal Credit Union and Save!

1. Open a St. Lawrence Federal Credit Union Account.
   It’s really easy to open your St. Lawrence Federal Credit Union account. To get started, just click on the “Become a Member” icon above.  Once your membership has been established, you are eligible to open (or apply for) additional services.

2. Stop using your previous bank account.
   Leave sufficient funds in your old account to cover any outstanding checks or automatic payments.  You should keep your old account open until all outstanding transactions have cleared.

3. Transition your automatic transactions.
   Change your automatic transactions and set up your paycheck, retirement and pension checks, or Social Security checks to deposit directly to your new St. Lawrence Federal Credit Union account! Don’t forget to notify anyone who makes automatic withdrawals from your account, such as mortgage companies, insurance providers, utility, phone, or cable companies or online streaming services.

4. Close your other account(s).
   When your automatic transactions have been switched to your new account and all outstanding checks have cleared your old account, ask your previous financial institution to send you the balance from that account. Don’t forget to destroy your old checks, ATM/Debit cards, and deposit slips.

That’s all there is to it! We welcome you as a new member!

If you have any questions during the process of opening your new St. Lawrence Federal Credit Union account or switching your checking or savings accounts, call us at (315) 393-3530 or visit one of our friendly Universal Service Representatives at any of our branch locations.  Our locations are listed here. We are here to help you every step of the way.  St. Lawrence Federal Credit Union “Where People are Worth More Than Money”