CU History    Location & Hours    Member Service Infomation    Staff & Board

Historical Information

Cobblestone Country FCU has been serving its members for 42 years but has accomplished the most in its last few years of service. We have grown from a one room, basic service credit union to a financial entity that offers multiple services and one-on-one service to its members.

Starting out as Lipton's Credit Union in 1965, we merged with the State Correctional Credit Union and then later the Orleans County Credit Union to become a community charter that would serve all residents that worked or lived in the central part of the county. At this time the credit union was housed in a garage bay that had been converted to a small office, there were two employees, and we only offered basic savings that were dispersed by check as very little cash was handled at that time.

In the last few years our credit union has added many services. The counter operations were expanded to add cash services to provide our members with the convenience of not having to go elsewhere. Checking accounts were offered and the loan program was expanded to extend larger amounts to the membership for their needs.

In 1995 we moved to a larger building where our customer service function was expanded. In 1996 we were granted a low-income designation that provided us with additional resources such as low-interest loans, secondary capital, and a counseling program for our underserved members.

Recent Activities

The year of 2003 was a year of growth and change. Assets and Share Growth both grew by 4%. Loan growth over the year was at 5% and Membership grew at 3.5%. We updated our computer system with the newest Windows technology and updated our electronic services.

We take great pride in the one-on-one customer service that we offer our members. Representatives are fast, efficient and diligent in over-the-counter services, payroll processing, electronic transactions and checking account reconciliation. All our services are low or no cost to make them affordable to all income groups.

The Board of Directors decided to change the name and image of the credit union since we serve members throughout all the townships and villages in the county.

We introduced home equity loans in 2002 and our members took advantage of them. We also continued to offer home mortgages through our affliate Credit Union Center. Our loan department in unparalleled in providing services to assist members in the application process and to also offer counseling in solving credit problems to help them enhance their creditworthiness.