Cooper's Cave Federal Credit Union

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Cooper's Cave Federal Credit Union

92 Dix Avenue
Glens Falls, NY 12801
Telephone: (518) 793-9502
Fax: (518) 793-7961


Welcome to Cooper's Cave Federal Credit Union’s redesigned website. CCFCU is a not-for-profit financial cooperative that serves thousands of member-owners across the state of New York and beyond. Together, we're able to provide each other with highly competitive rates and a wide variety of services to meet the financial needs of each and every member.

We pride ourselves on providing great service, community support, convenience and personal information security. CCFCU offers financial products to help you through every stage of life - from setting up your very first savings account and buying your first new car to financing your retirement home on the lake. And our people are here to make the process as easy as possible.


COOPER'S CAVE FCU PRODUCTS

As a member of Cooper’s Cave FCU, you have access to affordable financial products, low cost loans and free checking. The National Credit Union Administration (NCUA) insures all share and investment accounts to at least $250,000.

Primary Share (Savings) Account

The first step to membership is a minimum deposit of $6.00, $5.00 of which is applied to your opening deposit and $1.00 to a one-time membership fee. Once you have an account number, you can take advantage of all products and services we offer. Now that you are a member, all of your relatives can join as well.

Club Accounts (Christmas and Vacation)

Set aside funds for the holidays or for that needed vacation. Holiday accounts automatically transfer to the share account in October. Vacation account holders receive free travelers checks if transferred from their vacation club.

IRA Accounts

Traditional, Roth and Educational IRA’s are available to help build your retirement through tax-deferred savings. An IRA certificate is also available for a 12-month term.

Money Market Account

Our Money Market Account is a share account that receives a higher dividend rate than shares but with withdrawal restrictions of three per month. The Money Market Account is tiered with specific rates and yields for each tier.

Term Share Account(CD)

Invest in a 6, 12 or 24 month CD and earn our highest dividend rate.

Share Draft Account (Checking)

* We are proud to offer our members a totally FREE checking account.
* No minimum balance required
* No monthly service charge
* No per check charge

You may also take advantage of a VISA check card and overdraft protection.Visa Check Card and DebitPass (our re-loadable Mastercard)
Our Visa Check Card and DebitPass Mastercard allow you to access your account anywhere in the world.TellerLine (Your Touch-Tone Teller)
With TellerLine, you have access to your credit union accounts 7 days a week from anywhere at anytime. By using a touch-tone phone, your account number and a special Personal Identification Number (P.I.N.) you can get account information and make transfers.

Bill Payment System

Bill Pay offers you the ability to make payments online without giving your financial information to the creditor. You can set up all of your monthly bills to be paid automatically or on a one time basis. You control the amount, frequency and timing without writing out the checks. Best of all your account information is not shared with anyone!

Loan Accounts

Cooper’s Cave FCU’s lending products feature affordable rates and generous terms. Compare our rates around town and you’ll see the credit union difference. All rates vary on credit worthiness of the applicant.

* Secured Loan – DMV titled, up to 72 month term, pre-approval is available
* Signature Loan – up to $6,000 line of credit
* Overdraft Loan – up to $1,000 line of credit
* Share Secured Loan – pay only 3% above share dividend rate
* Home Loans - First Mortgages
* Home Equity
* Home Equity line of credit


COOPER'S CAVE FCU SERVICES

Here are a sample of the programs and services we offer.

* Accidental Death and Dismemberment Insurance (Free coverage up to $1,000)
* Balancing your individual accounts
* Certified and cashiers checks
* Direct Deposit of payroll checks and direct payment withdrawal
* Great Escape and Water Safari discountes admission tickets
* Guaranteed Student Loan and Parent Plus Loans
* Household Budgeting Program
* Credit Life and Credit Disability Insurance on your loans
* On line check reordering
* MEMBERS Financial Network for Personal investing
* Notary Service (free to members)
* Online Bill Payment System
* Rate Reduction Program on secured loans
* TellerLine -Your Touch-Tone teller
* Used auto, boat, motorcycle, RV and camper NADA value quotes
* Visa Check Card
* Wire transfers and money orders
* No fee share-draft accounts
* DebitPass Re-loadable Mastercards
* Liberty Mutual Auto Insurance Quotes
* Gap Insurance to protect your collateral investment
* CO-OP ATM Network providing you with surcharge fee ATM withdrawals accross the United States
* MORPAC (Mortgage Broker for first mortgages)


© 2009 Cooper's Cave FCU, all rights reserved.