299 West Avenue Albion, NY 14411
Phone: (585) 589-5286   Fax: (585) 589-1320

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Frequently Asked Questions

What is a Credit Union?

A Credit Union is a cooperative association of people, operating under Federal Law, for the benefit of its members through low cost loans, good dividends on savings, and to help members use their savings and credit most effectively. A Credit Union is owned and operated by its members.

Who can join Cobblestone Country FCU?

Any person living or working in Orleans County and family members, by blood or marriage, who are living in the same household, regardless of age. A Social Security number is necessary to join. Once a member, always a member.

How do you join?

Obtain a membership application card from the credit union office. Once you fill out the card you must come to the credit union office to get assigned a membership number and pay a membership fee.

What does it cost to join?

There is a $15.00 membership fee. We also ask that you maintain a minimum balance of $5.00 in your savings account.

How do I withdraw from my accounts at the credit union?

Withdrawals can be made from your share*, share draft or club account simply by coming in. You may also withdraw from your checking account at a store or ATM with a Visa Debit Card (please refer to the Share Draft section for more information). *Please note where a loan is involved, share withdraws may be restricted if the shares are pledged on a loan or the loan is delinquent.

Do Share (Savings) Accounts earn dividends?

YES! The net earnings are distributed to the members in the form of a dividend. These are added to the member’s shares at the end of the quarter (March, June, September and December). The dividend rate is set by the Board of Directors.

What is Payroll Deduction?

Electronic deposits or payroll deduction is provided by the employer for your convenience and can be used for loan repayment and/or shares. It is necessary to fill out a card from the credit union to start, change or stop a payroll deduction. PAYROLL DEDUCTIONS DO NOT STOP AUTOMATICALLY WHEN A LOAN IS PAID OFF. Unless a change card is filled out, the payroll deduction will continue for the same amount and remain in your share account.

If I move out of the area, can I still be a member?

YES. Once a member, always a member. Please remember to change your address with us.

When are Christmas Club checks mailed?

Christmas Club checks are mailed the second week of November.