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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Adirondack Regional Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Adirondack Regional Federal Credit Union's savings rates are at 1.25%. Adirondack Regional Federal Credit Union's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Adirondack Regional Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates were last updated on 04/18/2026. Adirondack Regional Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Adirondack Regional Federal Credit Union? Share your experience about Adirondack Regional Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Adirondack Regional Federal Credit Union. Adirondack Regional Federal Credit Union
Tupper Lake 280 Park St
https://www.adkcreditunion.com Tupper Lake, NY 12986 1909 
Adirondack Regional Federal Credit Union Savings Rates
Adirondack Regional Federal Credit Union Money Market Rates
Adirondack Regional Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Adirondack Regional Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Adirondack Regional Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Adirondack Regional Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Adirondack Regional Federal Credit Union
Website
https://www.adkcreditunion.com
Address
280 Park St,
Tupper Lake, NY 12986 1909
Phone
518-359-2921
Fax
518-359-7366
President
Brian Dukett
CEO
Basel Farhat
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.52%
Return on Assets (ROA)
0.8286%
Return on Equity (ROE)
8.9942%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
85,031,324
Total Amount of Shares and Deposits
77,136,441
Total Shares and Deposits < 1 Year
66,660,960
Total Shares and Deposits 1 3 Years
9,409,459
Total Shares and Deposits > 3 Years
1,066,022
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
741,212
Total Uninsured Shares and Deposits > $250K (F+J)
741,212
Total Insured Shares and Deposits > $250K (item 17 less item K)
76,395,229
Total Interest Expense (Sum of items 6 8)
345,274
Share Certificates
226
Number of Accounts for Share Drafts
4,273
IRA KEOGH Accounts
58
Number of Accounts for Regular Shares
10,925
All other shares
27
Money Market Shares
333
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,630,398
Total Liabilities
77,408,843
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Adirondack Regional Federal Credit UnionIs Adirondack Regional Federal Credit Union a safe place to deposit money?Yes, Adirondack Regional Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5191951923553%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Adirondack Regional Federal Credit Union operate?Adirondack Regional Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Adirondack Regional Federal Credit Union?Yes, to access services at Adirondack Regional Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Adirondack Regional Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Adirondack Regional Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Adirondack Regional Federal Credit Union offer online and mobile banking?Most modern institutions like Adirondack Regional Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.adkcreditunion.com. Current Adirondack Regional Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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