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CFCU Credit Union


An additional platform to complement Digital Banking

CFCU More Login

Routing #: 221381540


Who Can Become a Member of CFCU Community Credit Union?

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.

To become a business member, your business just needs to reside in Cayuga, Cortland, Madison, Onondaga, Ontario, Seneca or Tompkins Counties

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!

*Affiliation with a Select Employer Group includes employment, volunteering, attending school, worshipping, or membership with a listed group. 

You Can Be a Member for Life

Once you are a member at CFCU, you are a member for life* even if you move. Our Digital Banking and network of surcharge-free ATMs makes it easy to continue to conduct business with us and benefit from our outstanding loan rates and deposit yields! 


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What is a Credit Union and Why Should You Join?

Credit Unions are similar to banks, we offer checking, savings, loans, credit cards, and many other financial products and services. However, there are some important differences between Banks and Credit Unions. As a Credit Union, we are a not-for-profit, owned by our members. We have a Volunteer Board of Directors and Supervisory Committee who are elected by our members and are members themselves. Our profits are used to lower interest on loans, increase interest on savings, lower fees, offer products like our No Closing Cost Mortgages, and give back to our local communities.

Maybe Your Bank Should be a Credit Union®

More Than Banking®

Community is at the center of everything we do. As an organization, we back to the communities we serve through scholarships, sponsorships, and local volunteerism. Giving back to the communities we serve is a big part of our culture and it’s another benefit that makes working for CFCU a great experience.

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*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.