Credit union · NCUA insured
Adirondack Federal Credit Union
A $86.9M credit union headquartered in Tupper Lake, NY, with 7,001 members and 3 branches in New York. Best rates: CDs 3.00% and savings 0.10% APY.
Adirondack Federal Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#5 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Adirondack Federal Credit Union
Started in 1947 as part of the Veteran's Hospital in Tupper Lake, NY, Adirondack Federal Credit Union is headquartered in the North Country.
The member-owned cooperative operates offices in Tupper Lake, Potsdam, and Plattsburgh, serving over 7,000 members across northern New York.
- Headquarters
- 280 Park St, Tupper Lake, NY 12986-1909
- NCUA charter
- 5546
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Clinton, Essex, Franklin, or select towns in St. Lawrence County, NY are eligible to join.
Family and household
- Immediate family members of individuals qualifying under the geographic field of membership are eligible to join.
Branches
3 branches in New York
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New York
3 branches
Tupper Lake area · 1
- Tupper LakeMain office280 Park St, Tupper Lake, NY 12986Directions
Plattsburgh area · 1
- Plattsburgh672 State Route 3, Plattsburgh, NY 12901Directions
Massena area · 1
- Potsdam166 Market St, Potsdam, NY 13676Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.14% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $58 | $59 | — |
- CapitalNet worth ratio9.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.14%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$58Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Adirondack Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.