North Franklin Federal Credit Union
North Franklin Federal Credit Union
494 East Main Street,
Malone, NY 12953
Office: 518-483-8668
Audio Response: 518-483-3416
Fax: 518-483-8808
Welcome to North Franklin Federal Credit Union. In 1972, the credit Union was established to serve its members financial needs by providing financial services at the best economical rates in the most convenient manner. Today, that tradition continues.
In February 2007, North Franklin Federal Credit Union opened it’s first branch office in Fort Covington, NY. This full service branch offers the same services as the Main Malone Branch. Loans, Share and Share Draft to CDs, Busy Bee and Vacation accounts. Make payments, deposits, cash checks… whatever you need, the Ft. Covington Branch is there for you.
"Simply put...the best rates,the best loan products,the best service"
CHECKING PROGRAMS
Share Draft (Checking) Accounts are a practical, affordable, and convenient way for members to shop, pay bills and withdraw cash. You have a copy of each draft (check) you write because a carbonless copy is attached. Monthly statements are sent to members. Also available to members are checking account debit cards and online banking gives our members 24/7 access to all of their accounts on the secure site. Members can transfer, make their NFFCU loan payments, or print out account information. Online banking is free to members. Loan payments may be transferred from this account automatically, making payments easy.
SHARE DRAFT POLICIES
- No Monthly Service Charge
- No Per Check Charge
- No Minimum Balance
LOAN PROGRAMS
The Credit Union has money to lend for any provident and productive purpose within established loan policies and in accordance with federal and/or state regulations. Any member may apply. Loans are approved by considering past credit history, employment stability, collateral and ability to repay the loan.
The Credit Union provides prompt approval time and offers competitive interest rates and terms. Finance charges are calculated as simple interest on the unpaid balance daily, so there is never a penalty for early repayment. Payroll deduction is available - there isn't an easier way to make every payment on time! Loan payments from payroll deductions can be directly applied to loan.
SAVING PROGRAMS
SHARE ACCOUNTS
The Credit Union offers a variety of share (savings) accounts ranging from regular shares to club accounts and share certificates. Each account pays higher dividends than most area financial institutions. Direct deposit or payroll deduction is available to making business easier. Use one or more accounts to help you budget, or store that nest-egg and watch it grow! Quarterly statements are sent to members.
Save with us!
REGULAR SHARE ACCOUNTS
A regular share account earns dividends monthly (day of deposit to day of withdrawal). If you have a loan at the Credit Union, monthly loan payments may be transferred from this account automatically, on the last business day of the month.
CLUB ACCOUNTS
Club accounts are a great way to manage money. You can designate any amount to be deposited through payroll deduction. Club accounts pay dividends monthly. Vacation clubs can be accessed anytime for vacations, taxes, or whatever. Christmas club accounts are paid early in October. There is, however, a penalty for withdrawal prior to October 1st.
SHARE ACCOUNT POLICIES:
FOR COMPLETE POLICY AND RATES AND FEES SCHEDULE PLEASE STOP BY FOR OUR BROCHURE OR GIVE US A CALL AND WE'LL BE GLAD TO MAIL YOU ONE.
ADDITIONAL SERVICES
* Payroll Direct Deposit
* ACH Direct Deposit
* Money Orders
* Traveler's Cheques
* Notary Public Service
* Envelope Night Deposit
* Quarterly Newsletter
* On-Line Banking
* Audio Response: CU Fast
* 24 Hour Service to:
- Balances (no fee)
- Inquiries (no fee)
- Tranfers (no fee)
- Withdrawals (no fee)
* Individual Retirement Accounts
* Combo Card - VISA - 24 hour access:
* ATM Policies
* ATM Locations
© Copyright 2003, North Franklin Federal Credit Union
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