Trust in CFCU!Over 60,000 individuals in Tompkins and Cortland County turn to CFCU for their savings needs! It is easy to see why.

This account represents your membership at CFCU. All we ask is that you maintain $5 in it, and we'll provide you with a variety of electronic services, access to our amazing deposit and loan product lines, 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.


Benefits of our Savings Account:     

  • No monthly service fees.
  • Low $5 minimum balance requirement.
  • Dividends paid with only $100 in the account.
  • Free access to online services including Online & Mobile Banking, and the popular MyMoney Personal Financial Management Tools.
  • 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 & Club Account Rates
 Rates as of 2/1/18
Average 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.

Keep your money growing with our competitive yields!

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. The MICR number consists of three sets of numbers—the routing/transit number, account number, and check number.

    This number is found at the bottom of your checks.

    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

Call Center (Mon-Fri. 8am-5:30pm; Sat. 9am-12pm) - 607-257-8500 - Toll free 800-428-8340

CFCU Insurance Services (Mon-Fri. 8am-10pm; Sat. 8am-5pm) - 844-835-7646

MAXX Phone Banking - 607-257-8113 - Toll free 800-782-9413

Lost/Stolen Debit Card - 800-472-3272

Lost/Stolen Visa Card - 

866-205-8314 (Domestic) or

703-463-2473 (International)

    -Option 2

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

Club Accounts

Vaca PiggyHoliday, Vacation, and Combo Club Accounts

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

Vacation Club Account: Funds disbursed on April 1 into your Savings Account.

Holiday Club Account: Funds disbursed on October 1 into your Savings Account.

Combo Club Account: Funds disbursed on both April 1 and October 1 into your Savings Account.

Open a Club Account today within Online Banking, over the phone, or at any branch.

Deposit at any time into these accounts, and/or set up a payroll transfer for additional automation!

Learn more about Club Accounts!