Tri-Lakes Federal Credit Union Rates and Review January 2026
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Brian McKay
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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.
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Compare Tri-Lakes Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Tri-Lakes Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityTri-Lakes 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 CD rates or other rates available. Have you opened an account or have any experiences at Tri-Lakes Federal Credit Union? Share your experience about Tri-Lakes Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tri-Lakes Federal Credit Union. Overall, Tri-Lakes Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Tri-Lakes Federal Credit Union Saranac Lake 197 Broadway Saranac Lake, NY 12983  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Platinum Clarity
15.990%
Member First VISA
15.040%
No balance transfer fees or annual fees.
Security Service Power MasterCard
12.740% - 18.000%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonLine of Credit
13.700%
$0
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
Note Loan
8.990% - 17.990%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Tri-Lakes Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Tri-Lakes Federal Credit Union
Website: https://www.trilakesfcu.com
Full Time Employees: 6Part Time Employees: 1 President: Peter Sayles CEO: Heather DeForest Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
197 Broadway
Saranac Lake, NY 12983 Phone Number: 518-891-1666 Fax Number: 518-891-1797 FinancialsTotal Assets:
26,644,304
Total Amount of Shares and Deposits:
22,769,705
Total Shares and Deposits < 1 Year:
22,338,901
Total Shares and Deposits 1 3 Years:
400,909
Total Shares and Deposits > 3 Years:
29,895
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
184,526
Total Uninsured Shares and Deposits > $250K (F+J):
184,526
Total Insured Shares and Deposits > $250K (item 17 less item K):
22,585,179
Total Interest Expense (Sum of items 6 8):
74,562
Share Certificates:
49
Number of Accounts for Share Drafts:
1,220
IRA KEOGH Accounts:
6
Number of Accounts for Regular Shares:
3,093
Money Market Shares:
22
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,709,786
Total Liabilities:
23,114,767
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Tri-Lakes Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Tri-Lakes Federal Credit UnionIs a member application needed to join Tri-Lakes Federal Credit Union?Yes, to access services at Tri-Lakes Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Tri-Lakes Federal Credit Union provides a range of mortgage and home equity products. Is Tri-Lakes Federal Credit Union a safe place to deposit money?Yes, Tri-Lakes Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Tri-Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Tri-Lakes Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.50%, 6-month CD rates at 3.75% and 3-month CD rates at 2.25%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.13%. Credit Card rates are at 15.40%. Personal Loan rates are at 9.75%. All these rates, and more, can be found in our database of rates which you can compare to 
