Twin Rivers FCU is pleased to announce that our lobby is now open.

For the health and safety of our members and staff, all individuals entering our building will be required to wear a face mask and practice social distancing.

Lobby traffic will be limited and controlled.  The lobby has been equipped with floor decals and rope lines to help members maintain the appropriate social distancing guidelines.  We’ve also installed sneeze guards at our teller lines and in our offices for additional protection and will have hand sanitizer available throughout the building.

We continue to deep clean our building on an ongoing basis as we monitor and adhere to all NYS and CDC guidelines to do our part in keeping our community safe.

We will continue to offer services through the drive up teller window such as loan signings, address changes,and notary services if you prefer to use that method.


Twin Rivers Federal Credit Union will NEVER request personal information via email or phone. If you have any questions or concerns regarding security please click on the security alerts link below.

WHAT IS PHISHING:  Phishing occurs when someone impersonates a legitimate institution in an attempt to obtain sensitive information such as account credentials like usernames and passwords, or credit card details.  For your safety, if you are asked to confirm your account information or a financial transaction via email, and you did not initiate the request or transaction, we recommend deleting the email as it is likely a fraudulent attempt to steal your information.



New Automobile Loans
Rates as low as:

3.24% for 60 Months
3.74% for 72 Months

4.44% for 84 Months
5.44% for 96 Months
6.44% for 108 Months


Used Vehicle Loans
Rates as low as:

2015 & Newer                              2014 & Older

4.24% for 60 Months                  5.24% for 48 Months
4.74% for 72 Months                  5.74% for 60 Months


Recreational Vehicle Loans
Rates as low as:

4.99% for 36 Months
5.74% for 48 Months
6.24% for 60 Months
6.74% for 84 Months
7.24% for 120 Months
7.99% for 180 Months


As a valued Twin Rivers FCU member, you are entitled to skip a payment on your Twin Rivers FCU loan once per calender year January 1 – December 31 up to a maximum of 5 times per loan term (excludes real estate and credit card loans).  And, if you have more than one loan, you can skip the payment for each loan.  There is a low $35.00 processing fee per loan to take advantage of this service. Click on the Skip A Payment link on the side or contact the Credit Union today at (315) 764-0240 x 13 for details.


The fastest way to receive your statements plus they are FREE!!  You can view, download or print your statement at your convenience.  eStatements arrive sooner than a paper statement, lessen the amount of mail you receive and may reduce the risk of identity theft.  To sign up simply fill out a home banking application then log into your home banking account and follow the prompts under the self-service button.


If you have a question regarding your visa credit card you may call 1-800-299-9842

If you need to report your debit card lost or stolen please call 1-800-472-3272


All Twin Rivers FCU loans are subject to approval. Certain terms and/or restrictions may apply. Rates subject to change without notice. 

Loan Department – (315) 764-0240 x 13

Mortgage Department – (315) 764-0240 x 15

Twin Rivers Federal Credit Union – NMLS # 452656
Christine Grant – NMLS # 474560
Jane Tyo – NMLS # 775821

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