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 to learn more about how we operate and how it benefits you.
Join!
Who Can Join?
Anyone who lives, works, worships, attends school or maintains a business in Cayuga, Cortland, Madison, Onondaga, Ontario, Seneca, or Tompkins Counties, or anyone who is affiliated with any of the Select Employer Groups (SEGs) listed here, is eligible to join. All we ask is that you maintain $5.00 in your membership share 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 benefit from our outstanding loan rates and deposit yields!
*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.
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 over 650 members achieve their dream of home ownership, we saved them over $1.3 million in closing costs through our 
Our staff, including our President & CEO, spent over 4,000 hours last year volunteering at over 100 local non-profits in the counties we serve. As an organization, CFCU also gives in the form of scholarships, awards, monetary support, and sponsorships. This has made CFCU not only one of the strongest financial institutions in the nation but also one of the most impactful.
