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Community Resource Federal Credit Union Logo

Serving our members for over 85 years!


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 5,600 Shared Branch locations nationwide.

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.



Our Story


Community Resource FCU was spun out of the need to serve families of the Niagara Mohawk power company, now NaNiagara Mohawk National Grid logo tional Grid. Today, Community Resource Federal Credit Union serves more than 7,000 members in four counties. We are a strong financial institution with $90 million in assets and more than 25 employees, who continuously look for ways to save our members money, reach out to our communities and enhance our services





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

You may also join if 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 our membership application form. A Financial Service Representative will contact you to complete the application.


Board of Directors


Community Resource Federal Credit Union’s Board of Directors is comprised of members of the credit union who are inspired by credit union activities and the best interest of the membership. Each director serves on a volunteer basis and is elected by the membership of the credit union at the Annual Membership Meeting.


  • Tom Ellis, Chairman
  • Dan Abatto, Secretary
  • Ellin Luft
  • Eugene Reyes
  • Jack Shellard, Vice Chair
  • Brian Keegan, Treasurer
  • Betsy Kindlon




Supervisory Committee


The Supervisory Committee serves as the members’ representative. If any member has a question or concern about their account, they should always first contact the staff and/or management at the Credit Union. Then, if the issue is not resolved, they can write to the Committee at the address below and it will be investigated.

Supervisory Committee

P.O. Box 947

Guilderland, NY 12084-0947


2021 Annual Report

2020 Annual Report

2019 Annual Report

2018 Annual Report

2016 Annual Report

2017 Annual Report



Board of Director and Supervisory Volunteer Opportunities


CRFCU’s dedicated volunteers partner with the credit union by contributing their leadership, professional expertise and ideas for the entire credit union’s benefit. In exchange, volunteers receive valuable leadership experience, financial services industry and management education, networking opportunities and the satisfaction that comes from helping to ensure the continuity and development of CRFCU. Volunteers are essential for corporate governance and for CRFCU to fulfill its vision. Any member 18 or older can serve as a Director.  See the Volunteer Opportunities available. 

To apply, .