Some members have been receiving text messages coming from 1-844-840-1011 stating that their debit card is locked.  THIS IS NOT A MESSAGE FROM TWIN RIVERS FCU AND IS A SCAM!  Please DO NOT respond to this text message with any information, simply delete the message.

As a reminder, Twin Rivers FCU will NEVER call, text, or email you to confirm or retrieve your information.


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.



New Automobile Loan Special (rates available until December 31, 2018)
Rates as low as:

2.74% for 72 Months
3.74% for 84 Months
4.74% for 96 Months
5.74% for 108 Months


Used Vehicle Loans
Rates as low as:

2013 & Newer                              2012 & Older

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


Recreational Vehicle Loan Special
(rates available until December 31, 2018)
Rates as low as:
  New                                            Used  

4.99% for 60 Months                       5.99% for 120 Months
5.24% for 120 Months
5.49% for 180 Months                                                          


Personal Loans
rates available until December 31, 2018

Rates as low as:    

5.49% for  9 Months
6.49% for 12 Months
6.99% for 24 Months

**Fraud Alert**

We have become aware of a fraud trend coming out North Carolina, South Carolina, Tennessee, Kentucky, Oklahoma, Georgia, Virginia, Ohio and Texas.  As this trend is escalating, we have engaged rules on our Visa debit cards that will not allow any non-PIN transactions from those states.  If you are a cardholder located in one of the listed states, you must use your PIN to complete the transaction, you will not be allowed to sign for the transaction.  Other transactions such as online and telephone orders will also not be allowed during this time.  If you have legitimate business to conduct in any of these states, please contact us at (315) 764-0240 x 17 or toll-free at (888) 414-0240 x 17 so that we can clear your transaction.



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.


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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