Welcome to Community Resource Federal Credit Union


Community Resource Federal Credit Union is a non-profit financial institution owned by our members. Our financial services are offered with you as our first priority. At Community Resource FCU, you have access to a full suite of financial services, including savings accounts, auto loans, checking accounts, credit cards, business checking and more. Plus, your accounts are always close at hand with our mobile app, online banking and more than 100 local Shared Branch locations.

As your financial partner, we’re dedicated to preparing you for the road ahead.  Let’s make the journey together.


Our Mission Statement

To improve the lives of our members and the community by providing access to affordable, reliable and solution based financial services.


Our Vision Statement 

To become the financial institution of choice; providing the best service possible; going above and beyond to help our members achieve their goals.


Am I eligible for membership?


You can join if you live, work, worship or attend school in Albany, Saratoga, Schenectady or Rensselaer counties.

Happy family with car loves Community Resource membershipYou may also join is you are an immediate family member of, or live in the household of someone who is eligible for membership. Immediate family members include spouses, children, siblings, parents, grandparents and grandchildren.

Click here to fill out a membership application request. A Financial Service Representative will contact you to complete the form.



Benefits of membership include: 

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Home Loan Lender 

We are proud to offer competitive rates and a number of loan options to save you money. From first time homes to refinancing, our qualified staff can help you find the right option. 


car icon Vehicles Loans 

Whether your dream car is new or just new-to-you, our auto loans make it easy to hit the road by offering low rates and flexible terms. 


exclusive offers

Exclusive offers and discounts 

Enjoy member exclusive discounts on the things you use everyday such as Tracfone, SimlpySafe, TurboTax and more. 


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Financial Education 

From basic budgeting to buying your first home, we can help you with some of your biggest financial decisions. Visit our library of seminars and educational videos.  


Banking on the go 

Use our mobile app to securely access your accounts; send, request and receive money; deposit checks and more all from the palm of your hand. Use digital wallet for contactless payments.  

What’s the difference between a credit union and a bank? The seven co-operative principals! 


Voluntary and Open Membership: Anyone can join a co-op – we don’t discriminate based on gender, social, racial, political or  religious factors. We are devoted to our members’ financial wellness and not to make a profit.

Democratic Member Control: Members control their business by deciding how it’s run and who leads it. Each credit union has a board of directors that serve on a volunteer basis.

Members Economic Participation: Members are both owners and customers. The more people that participate the more that can be given back in the form of more products, lower loan rates, higher savings yields and fewer fees.

Autonomy and Independence: Cooperatives are owned by members, not shareholders, making each member the boss.

Financial education, training and information: We are committed to providing financial education to our members and the community at large. From budgeting to retirement planning and credit scores, we do all we can to ensure that the general public and policymakers are informed.

Cooperation among cooperatives: Working together, financial cooperatives are there when you need them. Credit unions provide more ATMs than the world’s largest banks.

Concern for the community: We are passionate about serving our members and making an impact in the community. We volunteer our time for local charities and participate in causes to make a difference.



See what people are saying about us! 



I live in Coast Rica year round and it is the best service anyone could ever want. It is just like being face-to-face. They are just the greatest! 


Wonderful staff – they really care about their members. 


Love Community Resource! They took a chance on us with a car loan years ago and since they have helped us tremendously. They are all always so nice and polite. More people should bank with them. 


I have been a member for more than 12 years. CRFCU is 100% customer-focused, flexible, communicative and just a pleasure to do business with! 


As a longtime SEFCU customer, This credit Union gave me a car loan when they wouldn’t. and the more Heather told me, the more convinced I was about taking my Money and moving it here.

So if you decided to stop in and check it out Let them know Jen sent you. YOU WILL NOT BE DISAPPOINTED.


Community Resource exceeds expectations every time! Ryan will go to the wall to help you with financing options and goal achievement. They offer a friendly and personal approach to service. Highly recommend!!!