About Us

Our Mission – Friendly simple banking to meet your financial needs and save you time.

Our Story

Community Resource FCU was spun out of the need to serve families of the Niagara Mohawk power company, now National Grid. Today, Community Resource Federal Credit Union serves more than 8,000 members in four counties. We are a strong financial institution with $85 million in assets and more than 20 employees, who continuously look for ways to save our members money, reach out to our communities and enhance our services.

And yes, we definitely have a penchant for delivering POWERful results.


You can join if you live, work, worship or attend school in Albany, Saratoga, Schenectady or Rensselaer Counties or if you have a relative that does. You can also join if you are related to a member of Community Resource or you live in the same household as a member. Check out all the member eligibility requirements.

Why Choose a Credit Union?

Credit unions are not-for-profit financial cooperatives owned by the people who save and borrow. The money members deposit with the credit union provides the resources for lending from members to other members. Because we are a not-for-profit organization, we put people before profits and can offer higher returns on savings, lower rates on loans and fewer service fees.

Every member of the credit union also has an equal say in how the credit union operates, by casting a vote to elect the volunteer Board of Directors at the Annual Membership Meeting.

People helping people—it’s the credit union rallying cry.

Advantages of a credit union:

  • Higher Interest Rates for Deposits
  • Lower Loan and Credit Card Rates
  • Lower Fees
  • Member Focused Banking
  • Better Service
  • More Flexibility
  • Fewer Complications


2016 Annual Report

2017 Annual Report

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
  • Ellin Luft
  • Eugene Reyes
  • Jack Shellard
  • Jim Keegan
  • Brian Keegan


Board of Director and Supervisory Volunteers Wanted 

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 in good standing and is 18 or older can serve as a Director.  Directors must attend a monthly board meeting as well as at least one monthly committee meeting. See the Committees you can volunteer for.

To apply, .

Our Community Giving Fund

The Our Community Charity Fund was created in 2016 as a way to connect and provide valuable funding to critically underserved organizations. The purpose of this fund is to provide small grants to local organizations in the communities served by Community Resource Federal Credit Union branches.

Requests are reviewed each on an individual basis. The earlier the request, the more time we have to review so get your requests in early!

Charity Application

Since the fund was established, CRFCU has donated more than $24,000.